Protect Your Finances
Life can take some unexpected turns. Secure your family’s future with Debt Protection.
Safeguard Your Loan
Debt Protection1 can help reduce or cancel your eligible loan balance if a covered life event occurs. It’s an optional product designed to help our members manage unexpected financial challenges.
Available for Auto Loans, Home Equity Loans, and Personal Loans.
Simple enrollment available when you take out an eligible loan with us.
Comfortably fits into your monthly payment.
Rest easy knowing you may be taken care of in so many problem situations.
Life Plus Protection
For additional protections, Life Plus can extend your Debt Protection to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help secure your finances. Covers the following incidents:
Accidental dismemberment
Terminal illness
Hospitalization or family medical leave
Death of a non-protected dependent
Get Started Today!
Serving members across New Jersey, First Harvest Credit Union is proud to offer debt protection options that help provide added peace of mind when the unexpected happens.
Frequently Asked Questions
Debt Protection is an optional product that can help reduce or cancel an eligible loan balance if a covered event occurs, such as death, disability, or involuntary unemployment, for First Harvest Credit Union members.
Debt protection can help members:
- Keep paying bills – If their income is lost, or reduced, during a time of financial hardship (such as an involuntary layoff), payments for covered assets are made, freeing up a member’s income to pay other household bills.
- Save assets – A family’s standard of living is preserved, savings aren’t depleted, and assets are saved.
- Maintain their credit rating – By ensuring loan payments are made on financed assets, a member’s credit rating is protected and the ability to get future credit isn’t compromised.
More Solutions
Need a loan with added flexibility? A secured loan lets you use savings or a certificate as collateral while you borrow and keep building credit.
Learn MoreEarn more on your everyday balance with Growth Checking, an interest-bearing account that pairs competitive dividends with easy debit card access and digital banking.
Learn MoreWhat’s better than saving? Saving with certainty. Open a certificate to meet our savings goals with guaranteed, fixed-rate earnings.
Learn More
Secured Loans
Need a loan with added flexibility? A secured loan lets you use savings or a certificate as collateral while you borrow and keep building credit.
Learn MoreGrowth Checking
Earn more on your everyday balance with Growth Checking, an interest-bearing account that pairs competitive dividends with easy debit card access and digital banking.
Learn MoreCertificates
What’s better than saving? Saving with certainty. Open a certificate to meet our savings goals with guaranteed, fixed-rate earnings.
Learn More1. Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the contract for a full explanation of the terms. You will receive the contract before you are required to pay for Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.
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