Accidental Death & Dismemberment (AD&D)

AD&D pays a cash benefit in the event of an accidental death or if an accident causes specific permanent injuries. Protect your family from potential financial hardships. Claim your free $1,000 AD&D insurance on UKRFCU without any commitments.

To claim your free $1,000 in AD&D insurance as a UKRFCU member, or to request a free quote on the policy that best fits your needs, click the button below.

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Life Insurance

We make TruStage® Life Insurance policies available to help credit union members like you protect the people who matter most in their lives. Want life insurance without all the hassle? Find it with TruStage. There are no medical exams or tests—just a few questions.

Homeowners Insurance

Homeowners insurance helps protect your home–and what’s inside–against loss from fire, theft and more. Credit union members may qualify for potential discounts.

Father Gives Son Ride On Shoulders As Family Leave House
Family in the back of their car in front of their home

Auto Insurance

Credit union members may qualify for special discounts on car insurance. Find out how much you could save if you switch. Combine your coverage with another car or home policy, and you could save even more.

Get free quotes from a licensed agent. A licensed agent is ready to help you find the right insurance. Just friendly, helpful advice with no sales pressure.


In most cases, auto owners and homeowners are required to buy some type of insurance, but this can vary depending on your situation. Read on for more details.

Auto Insurance
Almost every state requires you to buy auto insurance to protect against liability. And if you’re taking out a loan to buy your vehicle, it’s likely the lender will require you to buy an insurance policy to protect its value.

Home/Condo Insurance
Unlike auto insurance, it’s possible to own a home without carrying insurance in some cases. However, if you have a mortgage on your home, it’s likely your lender will require you to carry a homeowner’s insurance policy. Also, condominium boards typically require owners to purchase condo insurance whether they have a mortgage nor not.

Even if you don’t have a mortgage, it’s a wise choice to protect the value of your home and its contents with a homeowner’s insurance policy. This insurance will also help protect you from liability if someone is injured on your property.

A licensed agent at one of the top-rated insurance companies we work with will answer your questions and give you friendly, helpful information—with no sales pressure.

When you’re ready to get a quote, an agent will ask you some questions and walk you through your options. It’s a good idea to have a copy of your current insurance policy handy to compare coverage and features. That way, it’s easy to see how much you could save if you switched companies.

The TruStage Auto & Home Program works together with top-rated companies to make auto and home insurance, along with potential discounts, available to credit union members. By asking you a few questions upfront, we can direct you to the right company to help you get the right insurance.