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  • Deposit Insurance
  • Auto Insurance
  • Payment Protection (Life Insurance)
  • Accidental Death and Dismemberment Insurance

Deposit Insurance:Checking, savings, money market, and certificate accounts are federally insured to $100,000 by the National Credit Union Administration (NCUA).

  • IRA accounts are insured separately for $250,000.
  • Coverage may exceed $250,000 through joint accounts.

Auto Insurance:  Discounted vehicle insurance rates are available to you through the Sheets Insurance Agency in Bear, Delaware. The Sheets Insurance Agency writes its credit union policies through Nationwide Insurance. The benefits of purchasing your insurance through Nationwide include:

  • Monthly billing that results in less cash flow problems
  • Electronic deduction from your account at American Spirit FCU, saves you time, money, and hassle.

To apply, contact the Sheets Insurance Agency at 302-832-0441 click on the link below to request an on-line quote.

Payment Protection (Disability Insurance): Makes payments to the credit union to reduce or pay off a loan if a member is totally disabled by a covered sickness or accident.

  • Makes loan payments in the event of member’s disability.Premium is usually only a few cents per $100 of your loan.Monthly premium is pay as you go.No effect on other insurance coverages.15 Day waiting period.Multiple loan coverage maximums applied to each individually.
  • Optional and is not required as a condition for granting a loan.

Payment Protection (Life Insurance): A life insurance policy that makes a payment to the credit union to reduce or pay off a loan balance in the event of the member’s death.

  • Premium is usually only a few cents on every $100 of your loan.Premium included in loan payment.
  • No effect on other insurance coverage.

Accidental Death and Dismemberment Insurance:Protection that makes a payment to the beneficiary or member in the event of death or dismemberment.

  • $2000 coverage free to member (member must enroll).Premium is only a few dollars a month on additional coverageFamily coverage is available.No effect on other insurance coverage.
  • Coverage against catastrophic accidents.