Debt Protection Coverage

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You never know what might happen, so prepare for the unexpected with debt protection coverage! You and your family can have the confidence knowing that your debts will be covered, even if an unfortunate event occurs.

This service is available exclusively for APCU loans. The rates listed below contain certain terms and exclusions.*

Debt Protection Coverage Cost per $1000 of Your Monthly Loan Balance

Death, Disability, and Involuntary Unemployment

$3.60 (single) - $3.95 (joint)**

Death and Disability

$2.95 (single) - $3.40 (joint)**


.85 (single) - $1.30 (joint)**

Involuntary Unemployment

.90 (single)

Coverage Maximums Disability Life Involuntary Unemployment

Max. Monthly Total Disability Benefit




Max. Monthly Total Involuntary Unemployment Benefit




Max. Benefit per Loan Account




Max. Age for Coverage




Debt protection coverage is voluntary and not required in order to obtain a loan at APCU. You may select any provider of your choice.

Get Started

For coverage details and other information about this service, visit one of our convenient branch locations or call (800) 849-8431.

Not an APCU member yet? Find out if you're eligible to join!


*Insurance and warranty products are not products of the Credit Union, and are not obligations of, or guaranteed by, the Credit Union. Insurance and/or warranties may be purchased from an agent or an insurance company of the member's choice. The Credit Union makes no representations as to the services of any provider.
**Joint Protection protects the Joint Borrower in the Protected Event of Death.
***Cancels up to 12 Monthly Payments per Protected Event.
****Cancels up to 3 Monthly Payments per Protected Event.
The rate may vary depending on each individual's credit history and underwriting factors. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice.

Consumer Loans

Consumer Loans