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Payment Shield Plus

Affordable debt protection.

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Pause your monthly payments if you become disabled or unemployed.

Debt protection to cancel or reduce your loan balance or payments due to involuntary unemployment, disability or death.

Stops monthly loan or credit card payments for up to six months or $6,000 if you're involuntarily unemployed.

Stops monthly loan or credit card payments for up to 12 months or $12,000 if you're disabled by a covered illness or injury.

Cancels your outstanding loan or credit card balance up to $100,000 in the event of your death.¹

Protects a co-borrower per loan at no additional cost.

Extend debt protection with Life Plus for other events like terminal illness, hospitalization or family medical leave.

Debt Protection

If you're unable to work due to a job loss or illness, Payment Shield Plus is an affordable way to safeguard your finances by pausing your monthly payments on your SchoolsFirst FCU loans or credit card. And it protects your family by canceling your loan or credit card balance if you pass away.

We also provide extra protection with Life Plus, designed to cover unexpected health changes such as family medical leave, hospitalization or a terminal illness.

DARLENE J. MEMBER SINCE 1980

We've Got You Covered

Get affordable extra protection to safeguard your new vehicle including GAP Plus Insurance, Mechanical Repair Coverage and Payment Shield Plus.

GAP Plus: Additional protection to cover your car's value if your car is damaged beyond repair.
Mechanical Repair Coverage: Provides covered repairs for new and used eligible vehicles after your warranty expires.
Payment Shield Plus: Pause your monthly payments if you become disabled or unemployed.

Explore Our Auto Loan Options

FastTrack: Easy SchoolsFirst FCU financing and a network of more than 600 dealerships.
Enterprise Car Sales: Quality used cars inspected by certified technicians.
Autoland: A personal consultant will do the shopping for you.
TrueCar: Get upfront pricing and see what other buyers have paid.

Auto loans with rates as low as 5.69% APR for new vehicles,^† 5.79% APR for used vehicles.^†
Finance a leased or private seller car.
Refinance an existing auto loan.
Pause your monthly payments if you become disabled or unemployed with Payment Shield Plus.

Auto Insurance: We do the work for you to find the right coverage at the best price.
GAP Plus: Additional protection to cover your car's value if your car is damaged beyond repair.
Mechanical Repair Coverage: Provides covered repairs for new and used eligible vehicles after your warranty expires.
MexiPass: Special coverage if you drive your car to Mexico.

AUTO LOAN RATES & TERMS

Six Years in a Row

For six consecutive years, we've been recognized by Forbes as the No. 1 Best-In-State Credit Union in California.

Working with an Independent Insurance Agent

Calculate Your Car Loan Payment

CALCULATOR

Get Extra Protection with GAP Plus

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Call

Monday through Thursday, 9 a.m. – 5 p.m.
Friday, 9 a.m. – 6 p.m.
Saturday, 9 a.m. – 3 p.m.

(800) 462-8328, EXT. 4389

Email a Representative

Let's discuss your coverage options.

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Disclosures

If the outstanding loan balance is greater than $100,000, the rate will not be applied to the amount that exceeds $100,000. Loss of Life will provide 25% of the protected balance or $18,500 (whichever is less) after the last day of the month the protected individual reaches age 75.

Enrollment in the program is voluntary and not required to obtain a loan. Payment Shield Plus is a debt cancellation product available through SchoolsFirst FCU. It is not insurance, not a deposit, is not federally guaranteed by NCUSIF, and is not underwritten or guaranteed by SchoolsFirst FCU. Please consult a SchoolsFirst FCU loan specialist or refer to the Payment Shield Plus contract for additional information on benefit maximums, eligibility, and limitations.

Your purchase of Payment Shield Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of Payment Shield Plus. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid. DP-2230793.1-0918-1020.

APR = Annual Percentage Rate. All loans subject to approval. Lowest rates reflect a 0.75% discount for payment by automatic transfer from your SchoolsFirst FCU Share Savings or Share Draft Checking account.