Routing # 321076470


Add additional safety and security for you and your family when the unexpected happens.


生活可以很美好. 但当意想不到的事情发生时,它也会变得复杂.

Payment Protection1 is a simple and budget-friendly way to protect your family and help ensure your credit cards, auto loans, 或者,如果你失业了,也可以继续支付个人贷款, disabled, or pass away. This protection could cancel your loan balance or payments 不超过合同的最高限额.

Life Plus 是付款保护的可选附加组件, which adds additional protection for life events such as accidental dismemberment, terminal illness, hospitalization, 家庭病假, 以及失去一个不受保护的家属. Protect your loan balance or loan payments today so your family can worry a little bit less about tomorrow. Purchasing protection is voluntary and won’t affect your loan approval.

Key Features






This optional add-on gives even more protection for accidental dismemberment, terminal illness, hospitalization, 家庭病假, 以及失去一个不受保护的家属的生命





At Patelco, we put your financial wellbeing first and provide free financial coaching with a Patelco Certified Financial Specialist.2 Your financial specialist can help you create a personalized strategy so you can feel in control of your money and track your progress.


Patelco提供保险解决方案3 for every stage of life, so no matter where you or your family are at, we’ve got you covered. Learn more about how you can help protect yourself and those you love.

    Patelco helps you get ready for the unexpected with our Patelco Protection Plans. We know that life can come at you in the most unexpected ways; that’s why we offer protection plans to help you be financially prepared for anything that comes along. 你准备好迎接预期了吗?
    如果你受伤了,不能工作怎么办? 你目前的保险范围够吗? 或者万一你意外死亡, 你的家庭能负担得起日常开支和债务吗?
    It is possible to plan for the unexpected with our loan and payment protection plan that cancels your loan payments or balance, 不超过合同的最高限额, 如果你有失业保险, 残疾或去世.
    但是如果其他意想不到的开支出现了怎么办? 你能弥补差额吗?
    For example, 得到一辆新车是令人兴奋的, 但一旦你把它开出停车场,它就开始贬值了. And if it gets wrecked or stolen you could owe more than your insurance will pay, 这个差距可能是数千美元.
    一次性费用为595美元, 资产保障, or GAP Plus, can help reduce that gap and put you back where you belong – behind the wheel. 它可以作为你贷款的一部分. This averages out to just over $8 per month over the course of a 5 year loan, 给你保护,可以帮助你提供内心的平静.
    Mechanical Breakdown Insurance (MBI) can help make big repair bills a lot smaller. Just choose a plan and deductible to help reduce your out-of-pocket expenses on covered repairs and get additional benefits like roadside assistance, 租金和差旅费报销, and more. 所以当生活给你一个意想不到的曲线时,你可以被覆盖.

1 Your purchase of Payment Protection with Life Plus 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 Member Agreement for a full explanation of the terms of Debt Protection with Life Plus. 您可以随时取消保护. If you cancel protection within 30 days you will receive a full refund of any fee paid.

2 Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. 透过中心提供的产品: 没有NCUA/NCUSIF或其他联邦保险, 难道不是信用合作社的担保或义务吗, 并可能涉及投资风险,包括可能损失本金. 投资代表须透过中心注册. 帕特尔科信用合作社 has contracted with CFS to make non-deposit investment products and services available to credit union members.

3 Insurance products are not deposits of 帕特尔科信用合作社 and are not insured by the NCUA. They are not guaranteed by 帕特尔科信用合作社 and may be subject to risk. Any insurance required as a condition of an extension of credit by 帕特尔科信用合作社 need not be purchased from Patelco Insurance Services and may be purchased from an agent or an insurance company of the member’s choice. Patelco Insurance Services是帕特尔科信用合作社的子公司. 保险产品由Patelco Insurance Services提供, 加州保险代理公司(许可证#0C97544). Any complaints may be filed with the California Department of Insurance,

所有陈述均受条款约束, exclusions, conditions, 适用保险政策的限制. 并不是所有州都提供保险和特性. 资格须符合适用的承保标准. Discounts and savings are available where state laws and regulations allow and may vary by state. 某些折扣只适用于特定的保险项目. 在法律允许的范围内, applicants are individually underwritten; not all applicants may qualify. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. 具体的保险范围和限制,请参阅保险单.


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