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Viriva Community Credit Union

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Signature Loans and unsecured, revolving Lines of Credit give you an option for borrowing without the need for collateral. 

Loan Discounts
Credit Life and Disability Insurance

 

Checking Account with an Active Visa® Check/Debit Card Discount: 

All members who actively use their Viriva Visa® Check/Debit card receive an extra ¼% on auto and personal loans (an active VISA Check/Debit Card is defined as having at least 5 signature based transactions each month for the past 6 months). Direct Deposit Discount:  All members who have direct deposit of their entire net pay and repay their auto loans via direct deposit/payroll deduction receive an extra ¼% on auto and personal loans.

New Member Discount: 

New Credit Union members receive a voucher for a ¼% off the interest rate on any auto or personal loan, good for first 90 days of membership.

Maximum discount on any loan is 0.75%. Other restrictions may apply.

Credit Life and Disability Insurance

Your unexpected disability or death can affect your household's income level and change your family's standard of living in an instant, making household financial commitments difficult to meet.  Coping with your disability or death can be emotionally and physically stressful for your family.  Struggling to make loan payments on a reduced or lost income is another heavy burden your family shouldn't have to bear.  When you choose to protect your loans with MEMBER'S CHOICE® Credit Life and Credit Disability Insurance, you're planning for your family's financial future.*

With payment protection like MEMBER'S CHOICE Credit Life Insurance, if you pass away and your claim is payable, your eligible loan balance is reduced or paid off.  With MEMBER'S CHOICE Credit Disability Insurance, if you're disabled due to injury or sickness, your loan payments will be paid until you're no longer disabled, your loan is paid, or you reach the policy maximum.*

The benefits of MEMBER'S CHOICE payment protection:

  • Simple and quick enrollment - on your enrollment document, choose the credit insurance you prefer

  • Immediate coverage - when the loan closes, you're covered

  • Easy payment  - premium is included in monthly loan payment

  • Financial security - coverage reduces or pays off your loan balance in the event of death or makes loan payments in the event of disability

  • Peace of mind - know that your family won't struggle to make loan payments

  • Complements existing insurance - credit life and credit disability insurance covers your loan payments so other funds can be used to care for your family's day-to-day expenses

  • Maintains family's living standard - loan payments are made so family assets and savings are preserved

 *Be sure to read the Credit Insurance Application and Certificate of Insurance which will explain the exact terms, conditions and exclusions of the policy.  Eligibility requirements including age maximums, working requirements and health questions may apply.  Also, benefits may be subject to a waiting period.  The policy may include maximum coverage or benefit amounts and/or durations.  Exclusions for pre-existing conditions, normal pregnancy, intentional injury, air travel and/or atomic explosions may apply.

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