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, Home, Life & Business Insurance

Discounted auto, home, life and business insurance rates are available to you as an American Spirit FCU member through Impact Insurance Agency.

To get your free auto, home, life, or business insurance quote, contact Impact Insurance at 302-363-7785 or click here.

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

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.

  • $2000 coverage free to member (member must enroll).

  • Premium is only a few dollars a month on additional coverage.

  • Family coverage is available.

  • No effect on other insurance coverage.

  • Coverage against catastrophic accidents.