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What Insurance Do I Need?

There are a number of factors to consider when determining your insurance needs. The goal is to protect you and your family from financial devastation should the unexpected occur. Your income, field of employment, whether you have children or not, and a host of other factors are all considered to determine the risks you can absorb on your own and the insurance you need to cover the risks you can’t. We offer the following products to meet your needs:


Home, Auto, Life and AD&D

We partner with a dedicated team of insurance professionals to bring you TruStage® Insurance Products.

  • The property and casualty coverage solution preferred by the most credit unions and their members.
  • Convenient e-service, pay your bill or make changes to your policy, even report a claim.
  • Receive fast, easy access to claims service 24-hours a day.


TruStage insurance products and programs are made available through TruStage Insurance Agency,LLC and issued by CMGFG LIfe Insurance Company and other leading insurance companies. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.


Credit Life & Disability Insurance

Members Choice® disability and term life protection will cover your monthly loan payment if you become disabled due to a covered illness or injury. Payments will continue until you are able to work again, the loan is repaid or you reach the policy maximum.

Members Choice® term life protection will cover some or all of your eligible loan balance should you die before the loan is paid.

Enroll in disability and term life protection during the loan application process. For your convenience, the premium is rolled into your loan payment. Coverage is immediate and no medical screening is needed.

GAP (Guaranteed Asset Protection) Insurance

Fill in the gap on your next vehicle loan with Member’s Choice™ Guaranteed Asset Protection (GAP) coverage. GAP coverage will pay the difference between your loan balance and your insurance settlement if your vehicle is stolen or damaged beyond repair in an accident. It also includes up to $1,000 toward your down payment of a replacement vehicle (where allowed by law and when financed by our credit union).

Sign up for GAP coverage when you apply for your vehicle loan. It costs just a few dollars a month and is fully refundable if you cancel the coverage within the first 90 days.

Mechanical Repair Coverage

Member’s Choice® Mechanical Repair Coverage (MRC) helps cover unexpected repairs to your car. The MRC plan includes 24-hour roadside assistance, towing, emergency travel expenses and rental reimbursement. The coverage can be used in conjunction with your manufacturer’s warranty and can also be purchased after your warranty period expires.

The MRC plan pays for parts and labor for any covered repair. You can choose to pay a deductible amount of $0, $50, $100 or $200. The plan also includes:

  • Rental car reimbursement up to $30 a day for up to 5 days if your car is kept out of service overnight for a covered breakdown
  • 24-hour, toll-free roadside assistance, which covers towing, jump starts, flat tire changing, fuel, oil or other fluid delivery and entry when keys are locked in your car
  • Emergency travel expenses up to $500 for lodging, meals and transportation if your car breaks down more than 100 miles from home

Contact the credit union to add MRC to any vehicle. The MRC plan can be used at authorized automobile dealers or repair facilities in the United States and Canada. You may transfer the plan if you sell your vehicle to a private party and you may cancel it at any time and your payment will be prorated.

This is the best federal credit union that I know. I will tell anyone and everyone about Priority Plus. The service is excellent – please come check it out!

— Diana T. May 14, 2021

The service is great and the staff is very accommodating. Thank you [Priority Plus] for being here for me!

— Sakeenah S. February 25, 2022

The online banking and mobile app are great! Fast and simple fingerprint access. Highly recommend!

— Frederick C. June 10, 2022

Wonderful people, helpful and quick to respond. Great online services!

— Melanie Jianniney December 9, 2016

I knew I made a great decision because the employees were the friendliest and most knowledgeable people I have met. I had nothing but a positive experience with them during my time in Wilmington.

— Norwood August 29, 2013

I was impressed with the competitive interest rate they offered for my car loan. They beat out the big guys! ... They provide excellent customer service that's very well personalized and professional.

— Missy White July 7, 2013