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Loan Protection Products

 / Loans / Personal / Loan Protection Products

Protection Matters

Delta Community Payment Protection is an optional loan-payment protection product that helps you preserve your family's standard of living. It provides relief from the financial burden of delinquency, default, or repossession if a protected life event unexpectedly happens to you, including:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment
Sometimes taking out a loan can be a financial gamble. You're betting you can pay back your loan and you won't lose your job.

Help to play it safe with Delta Community's Payment Protection

If you're thinking about taking out a loan, Delta Community Payment Protection can help take away the financial gamble by protecting your payments. Whether borrowing to make home improvements or to buy a vehicle, it's nice to know you don't have to worry if you should be out of work, become disabled or pass away.

If a protected life event happens to you (and you're a protected borrower or co-borrower on the loan), Delta Community Credit Union will cancel or reduce repayment of your loan debt-helping to lessen your worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging.

Member Value Features and Benefits:

  • Simple eligibility requirements ease the enrollment process
  • Must be employed 25 hours a work week minimum to qualify
  • Death or disability due to acts of war are covered
  • No maximum monthly payment limitation

Choice of:

  • Single and joint protection on all consumer loans and Visas
  • Accident-only, accident and illness protection
  • Can pay multiple times over the duration of the loan for non-life events

Consumer Loans Options:

  • Single/Joint coverage
  • Protection for loss of life
  • Protection for loss of life & disability
  • Protection for loss of life, disability & involuntary unemployment


  • Single/Joint coverage
  • Protection includes loss of life, disability and involuntary unemployment


Since most insurance companies only cover the actual cash value of a vehicle, Delta Community CU offers GAP coverage for added protection on your vehicle loan. This optional product covers the difference between your loan balance and the amount your insurance company would pay to replace your vehicle if it were totaled or stolen, including your insurance deductible up to $500. GAP is available for purchase at the time of financing with Delta Community CU. We want to help protect you and your finances. When you're in the market for a car loan, call us at 1-800-544-3328 to learn more about GAP.

Payment Protection is a debt protection product offered by Delta Community Credit Union. GAP is collateral value protection coverage offered by Delta Community Credit Union. Enrollment in these products is voluntary and not required to obtain a loan. A single pay feature may be available. Additional disclosures will be provided describing terms, conditions, refunds and cancellations prior to premium payment. Please contact a Delta Community loan officer for additional information on benefit maximums, eligibility, limitations, and a copy of your contract.

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