Insurance Products


Accidental Death and Dismemberment (AD&D)

Red River Federal Credit Union wants to help protect your family with $1,000.00 insurance coverage paid for you by Red River Federal Credit Union.
As a Red River FCU member age 18 or older you can help protect your family's financial future with Accidental Death and Dismemberment (AD&D) Insurance.
In addition to the $1,000.00 Credit Union Paid coverage, you can purchase Additional Coverage at group rates.
     You are pre-authorized for Additional Coverage up to $300,000
    *  Your acceptance is guaranteed - No Medical Exams or Health Questions
    *  Benefits are paid to your beneficiary if you die from a covered accident

You cannot be turned down for the Credit Union Paid Coverage - or any additional coverage you may select.  All coverage reduces by 50% at age 70 and older, regardless of age at enrollment.
REMEMBER, the $1,000.00 coverage is at no cost to you
It's complimentary of Red River Federal Credit Union.

Credit Disability & Life (CD & CL)

Credit Disability and Credit Life Insurance are ways to help protect your loan. There’s no way to predict an injury, illness or an unexpected death, but you can take steps along the way to make sure your family is provided for if the unexpected were to happen to you. Credit Disability and Credit Life Insurance may help to make your loan payment to make life easier for you and your loved ones.


Credit Disability Insurance
Credit Disability Insurance is a voluntary coverage plan that helps make monthly loan payments, up to the maximum limit, should you become totally disabled, until you are no longer disabled.
Credit Life Insurance
Credit Life Insurance is a voluntary coverage that can help reduce or pay off your loan balance, up to the maximum limit, if you or your covered co-borrower pass away.

Your purchase of MEMBER’S CHOICE®
Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company 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 Group Policy for a full explanation of the terms. 

Guaranteed Asset Protection (GAP)

You could owe more on your car than the amount your primary insurance company will pay in the event of a total loss. The GAP program pays the difference between your primary insurance settlement and the outstanding balance of your vehicle at the time of loss. Coverage pays up to 150% of your vehicle's value.