Debt Protection Coverage^[1]

At APCU/Center Parc, we are here to help you prepare for life’s uncertainties with optional Debt Protection coverage — which may help reduce the impact of certain unexpected events on your loan.  In fact, the program has paid out more than $334,253.91 in covered claims to our members from January 2025 through November 2025.

What Debt Protection Does

• Designed to offer support for your loan in specific situations, giving you and your family peace of mind by easing financial stress during difficult times.
• Offers protection in situations like death, disability, or involuntary unemployment — providing support exactly when it may matter most.

Why It’s a Valuable Add-On

• Financial safety net — If you’re unable to make loan payments due to covered events, this coverage can help prevent financial hardship or a debt burden on your loved ones.
• Peace of mind — Having protection may ease the impact of unexpected events, reducing stress and providing some peace of mind for the future.
• Flexibility and choice — Debt Protection is optional, and you’re free to choose whether to opt in. 
• Broad loan applicability — Applies to a wide range of consumer loans offered by APCU/Center Parc, excluding the Advantage Home Equity Line of Credit.

Important Things to Know

• Debt Protection is a voluntary program — and is not required for loan approval.
• The credit union itself does not guarantee the protection benefits; coverage is provided through a separate insurance or warranty provider. 
• The member may purchase debt protection from an agent or insurance company of their choice. 
• If you opt for coverage, you’ll receive full details of terms, conditions, eligibility requirements, and coverage limits before committing. 

How to Get Started

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