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Today's Loan Rates
The following rate sheet is provided as a courtesy to you. Your actual rate may vary. Rates are subject to change without notice.
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Families are working harder than ever to support their standard of living. New cars, special vacations, and home renovations have stretched family incomes leaving families living paycheck to paycheck. Walking a financial tightrope means families may not be thinking about the stability of their financial future.
A disabling injury or illness can prevent you or your spouse from earning an income. This can change your family’s standard of living in an instant, making financial commitments difficult to meet.
If you have disability insurance through your employer, this is a good start but it may not be enough to cover all your household expenses. Disability income policies commonly provide 50% to 70% of an insured’s pre-disability income.1 Essentially this is living on half of one’s salary and many families aren’t budgeted to live on less than their normal paycheck.
Preserve the standard of living you've worked so hard to achieve
Bourns EFCU offers MEMBER’S CHOICE™ credit disability insurance to help protect you from unexpected income loss due to disability. Credit disability insurance makes your monthly loan payment should you become disabled due to a covered illness or injury. Check with your members service representative for more details on MEMBER’S CHOICE credit disability insurance, including exclusions, limitations, and benefits.
1American Council of
Life Insurers Website, Life Insurers Fact Book, 2005
MEMBER’S CHOICE™ credit
disability insurance is underwritten by CUNA Mutual Insurance Society.
Credit Life Insurance Can Help Protect Your Family’s Standard of Living
One third of Americans have no life insurance.1 Among those who do have it, 40% believe that they don’t have enough.2 In fact, the households that believe they need more insurance own just enough life insurance to replace their income for about two years, yet they thought they had enough to cover six years.1 This critical gap in perceived coverage versus actual coverage can dramatically change your family’s standard of living if you were to pass away. Do you have enough life insurance to support your family’s day-to-day living expenses and pay off your loans? 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.
And, you can experience peace-of-mind
Bourns EFCU can help you plan your family’s financial future and preserve the standard of living you worked so hard to achieve. Check with your member service representative for more details on MEMBER’S CHOICE credit life insurance, including exclusions, limitations, and benefits.
1LIMRA International,
Facts about Life Insurance 2006
2LIMRA International, Trillion Dollar Baby, 2005
MEMBER’S CHOICE™ credit life insurance is underwritten by CUNA Mutual Insurance
Society.
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to Home Page Last updated July 15, 2008. © Bourns Employees Federal Credit Union. 1200 Columbia Avenue, Riverside, California 92507 Click to review our Privacy Policy. For more information, email,
call toll free at 1-877-426-8767 x 2,
locally at 951-781-5600, or fax 951-781-5452.
Office hours: 9:00 AM PST to 4:30 PM PST, Monday - Friday.
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