Debt Shield™

Debt Shield™

Protect What Matters Most

Life can be unpredictable. If something unexpected happens, you don’t want your family facing financial worries on top of everything else. That’s where Debt Shield™ comes in — helping to cancel or reduce your loan balance or payments (up to the contract maximum) if you experience:

  • Involuntary unemployment - a covered job loss occurs
  • Disability - a covered disability occurs due to illness or injury
  • Death - protected borrower passes away

Need to File a Claim?

It’s easy. Just choose the option that matches when you signed up for Debt Shield:

Coverage obtained before Dec. 1, 2024:

Submit your claim through Securian, our previous provider

Visit the Benefit Service Center

Or call 800.374.2758 (option 4)
Mon–Fri, 8:00 AM–4:00 PM ET		 Coverage obtained on or after Dec. 1, 2024:

Submit your claim through TruStage, our current provider

Visit the TruStage Claims Portal

Or call 800.621.6323
Mon–Fri, 8:00 AM–5:00 PM CT

Built for Real Life

We all worry about the "what ifs" sometimes. Debt Shield™ gives you one less thing to stress about — helping make sure your loan doesn’t add to your worries if the unexpected happens.

Change Your Mind?

You can cancel your Debt Shield™ coverage anytime. Cancel within the first 30 days and you’ll get a full refund of any fees you’ve already paid.

Want to Learn More?

Ask a USSFCU Loan Representative about Debt Shield™ or call 800.374.2758 - option 4 — we’re happy to help!

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How Debt Shield Works

When Debt Protection may cancel your loan balance or payments:

Involuntary Unemployment

Disability

Death1

What Happens:

A covered job loss occurs

A covered disability occurs due to injury or illness

Protected borrower passes away

It Cancels:

Your loan payments

Your loan balance or payments

Eligibility:

Are a permanent employee who is actively working2

Have an eligible loan

1 Contract Terms and Maximums apply. The maximum benefit will reduce to 25% of the protected loan balance once a member reaches a certain age. 2 Refer to the Member Agreement for complete terms. Debt Protection 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 contract for a full explanation of the terms. You will receive the contract before you are required to pay for Debt Protection. 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.

Things to Know about Debt Shield

  • It’s easy Simple to apply and takes effect immediately.

  • It’s budget-friendly Comfortably fits into your monthly payment.

  • It’s voluntary Adding it to your loan is voluntary and won't affect your loan approval.

  • It puts you at ease Rest easy, knowing you’re taken care of in so many problem situations.

Call Member Services at 800.374.2758 - option 4 to learn more or to get started!

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Terms and conditions apply.

Debt Protection 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 contract for a full explanation of the terms. You will receive the contract before you are required to pay for Debt Protection. 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.

DEBT SHIELD™ is a trademark of the United States Senate Federal Credit Union (USSFCU). Use of the name Debt Shield™ without the express consent of USSFCU is strictly prohibited.

Membership eligibility required. Federally Insured by NCUA.

Members' Voice Testimonials

This credit union is the best, I love the customer service and you can't beat the interest rates. I'm happy to be a member of this great credit union.

- James · Locust Grove, GA

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

- Larry · Cumberland, MD

Greta was absolutely amazing - as always. She makes me and my parents feel valued and supported. We are forever grateful. [The Credit Union] has been hugely supportive over many years. And we feel known and cared for.

- Eliza · Washington, DC

Long as I have been with the credit union, I haven't had any problems. I also like the protection on my account.

- Charles · Upper Marlboro, MD

My overall experience at the credit union was exceptional. The staff was hospitable offering water, my service was timely and professional and the office was well lit and clean.

- Denise · Washington, DC

As a member for more than 40 years, i have always had great service from the USSFCU and know that they stand behind their great reputation.

- David · Silver Spring, MD

A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

- Manuel · Bowie, MD

Your people and products are amazing. The recent [online banking] overhaul is phenomenal. [I've] been electronic banking since Tele action phone banking - paying bills with my push button landline decades ago. USSFCU is light years ahead of everyone else in terms of ease of use and client experience!

- Misty · Brookings, OR

I have been a member for more than 30 years. I no longer reside in the DC area but continue to bank with USSFCU because of the ease and the customer service.

- Tamra · Denver, CO

I have been a member for over 50 years, and I have always gotten good service with loans, when I had to have service at a branch, and when I needed to have money sent to me from my savings account. The personnel have always been friendly and treated me with respect.

- John · Fort Washington, MD

I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

- Bernard · Richmond, VA

Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

- Erwin · Ellicott City, MD

The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

- Ruth · Takoma Park, MD

Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

- Jacquelyn · Sanford, FL

I have appreciated USSFCU services for many years since I left my work on Capitol Hill. I have appreciated the occasional webinars on purchasing a home or retirement planning.

- Jamie · Washington, DC

I have been a member since 2006, and have always appreciated the customer service response to any concern or query. In addition, as I have traveled extensively, USSFCU has provided support and access.

- Kathleen · Ukiah, CA

I've had a credit union account for decades, even though I no longer work on Capitol Hill. I now have two accounts. I've been able to do all of our banking remotely, by app or by phone.

- Richard · Washington, DC

I have been a USSFCU member for almost 20 years. There is nowhere else I want my money to be. I always receive excellent service.

- Nicole · Alexandria, VA

I deeply appreciate the stellar service, the proficiency, the professionalism, and the kindness. I am truly honored and grateful to bank with a financial institution that treats customers like family.

- Angela · Alexandria, VA

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