Loan Insurance

 MEMBERS® Auto and Homeowners Program

You trust Rocky Mountain Credit Union to provide you and your family with quality products and services to meet your financial needs. We've joined with a dedicated team of insurance professionals to bring you the MEMBERS® Auto and Homeowners Insurance Program.
  • MEMBERS Auto and Homeowners is the property and casualty coverage solution preferred by the most credit unions and their members.
  • Convenient e-service, pay your bill or make changes to your policy, even report a claim.
  • Receive fast, easy access to claims service 24-hours a day.
  • Obtain a free no obligation quote or locate an agent at the local Liberty Mutual sales office.
 
The MEMBERS Auto & Home Insurance Program is underwritten by leading insurance companies, including Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

Credit Life Insurance
- Offers peace of mind for you and your family by paying off your loan in the event of your death
- Low monthly premiums

Credit Disability Insurance
-Offers peace of mind and financial security by making your monthly loan payments should you become disabled
-Affordable monthly premiums

Gap Insurance
- Offers risk protection to cover the gap between what you owe on your vehicle and the cash value of your vehicle in the event  an insured loss
- Deductible coverage up to $1,000
- Protection for new and pre-owned vehicles
- Low cost premium can be added to your vehicle loan
- Get $1,000 towards a replacement vehicle

Mechanical Repair Coverage (MRC)
- Similar to an auto dealer's extended warranty; however, usually less expensive
- Provides you the comfort of knowing that most mechanical problem(s) with your new or used vehicle will be paid
- Low cost premium can be added to your vehicle loan
- Our MRC will save you money over most extended warranties 

Collateral Protection Insurance

Title Secured and Auto Loans require Comprehensive and Collision Insurance.
Rocky Mountain Credit Union has implemented a Collateral Protection Insurance tracking program. With the program, many members may receive a letter that serves as an audit notice to verify the insurance on collateral secured by a RMCU loan. Below are links that will take you to CUNA Mutual's website where you can input your current insurance information. If this is inconvenient for you or you have any questions, please do not hesitate to contact the Loan Department at 406-449-2680. We would be glad to assist you in verifying your current insurance for the new tracking program.

Ways to provide insurance information:
1) Collateral Insurance Verification page includes FAQs and a link to the insurance verification form:
2) Verfiy Collateral Insurance to bypass FAQs
3) You or your agent may fax insurance verification to 866-402-2247.

Acceptable Forms of Insurance

Declarations page of the insurance policy listing:

  1. Insurance Company
  2. Policy Number
  3. Member/Insured Name
  4. Correct collateral description
  5. Effective date / Renewal date
  6. Comprehensive & Collision Coverage with $500 deductibles (for consumer loans)
  7. Rocky Mountain Credit Union listed as lien holder or loss payee

 

3400 N Montana, Helena, MT 59602 | Phone: 406-449-2680
1820 11th Ave., Helena, MT 59601 | Phone: 406-449-2680

8645 Huffine Lane, Bozeman, MT 59718 | Phone: 406-586-1505

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