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Kids’ Count Account
Your children will learn about money and savings through you. What better way to get them started than
with an Aspire FCU Kids’ Count. You only need one dollar to open a Kids’ Count for youngsters under the
age of 18.
Custodial Accounts
A Custodial Account is another savings vehicle for your children. It allows you to save money for your child’s
future needs, while shifting taxes on the account’s earnings to the child’s lower tax rate. Please consult your
tax advisor for complete details and specific advice.
Insurance Products
Your Credit Union is always there for you, offering you and your family added financial security. Secure your
family by taking advantage of the various discounted insurance and protection programs Aspire FCU offers members only.
Mechanical Breakdown Protection (MBP) and
Guaranteed Asset Protection (GAP) Insurance
Aspire FCU offers two ways in which you can protect your vehicle. Mechanical Breakdown Protection (MBP) provides
protection against mechanical breakdowns above and beyond the original manufacturer's warranty and Guaranteed Asset
Protection (GAP) covers the deficiency balance on your loan in the event of a total loss.
Mechanical Breakdown Protection can help ensure that the investment in your vehicle is protected, and reduces
the possibility of out-of-pocket expenses when your vehicle suffers an unexpected mechanical failure. Most important
of all, Mechanical Breakdown Protection provides Peace of Mind so you can experience worry-free driving!
Guaranteed Asset Protection (GAP) coverage protects you against financial risk. If you are financing your car,
light truck, or SUV you could face financial risk that your auto insurance policy may not cover if it is totaled or
stolen. In the event of theft or total loss of your vehicle, most insurance companies only pay the Cash Value of the
vehicle at the time of the loss. Your remaining loan balance could be much greater than the Cash Value of your vehicle
creating a deficiency of several thousand dollars that you’re liable for! GAP coverage will keep you secure.
If you would like to learn more, click here.
The Family Security Plan
Protecting Credit Union Families Since 1973
Preparing yourself and your family for the uncertainties that may arise is becoming more and more of a necessity
these days. Though it might not be something you want to think about, sometimes you need to ask, "Will I be prepared
if misfortune strikes?"
That's why your Credit Union has joined forces with The Family Security Plan to offer you some of the best
programs in permanent life insurance, individual disability and specified disease insurance.
Explore your insurance options, analyze your needs, and learn more about securing you and your family's future
by clicking on the Family Security Plan logo.
Group Auto and Home Owners Insurance through MetLife
Aspire FCU has a partnership with MetLife Insurance to bring you exclusive group plan discounts! There is a wide
range of policies available to members:
- Auto
- Boat
- Recreational Vehicle
- Motor Home
- Motorcycle
- Fire*
- Home*
- Mobile Home*
- Condo*
When you apply for coverage through this group insurance program, you could benefit from special group rates and
these special features that you might not be able to find elsewhere:
Save, on average, up to 10% with special group rates. You could save simply because you're a member of Aspire
FCU. Plus, you could save time and money with hassle-free payment options, including credit union account deduction.
Extended Customer Service Hours. MetLife Auto & Home consultants are available Monday through Thursday from
8:00am to 10:00pm, Friday from 8:00am to 9:00pm and Saturday from 9:00am to 4:30pm EST/EDT.
24-Hour Claim Service. You can speak to a claim representative 24 hours a day, 7 days a week.
Simply call 1 800 GET-MET 8 (1-800-438-6388) to speak to a knowledgeable insurance consultant who can explain the
coverages available, and they can provide you with free, no-obligation quotes. You may also visit us online, for
an auto insurance quote.
To make accurate comparisons, please have your current policies with you when you call.
MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates:
Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company (CA
Certificate of Authority: 6730; Warwick, RI), Metropolitan General Insurance Company, Metropolitan Group
Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), and Metropolitan Lloyds Insurance
Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, and discounts are
available in most states to those who qualify. See policy for restrictions. L04076529[exp0410]
Help Safeguard Your Loan with Member’s Choice Borrower
Security Program
You have dreams for yourself and your family - a happy retirement, college plans, a new car. But have you considered
how you or your family would cover your financial obligations, such as the payment on your consumer or home equity
loan, if you fell victim to an unfortunate event? Member’s Choice Borrower Security Program can help when the
unexpected hits.
LIFE COVERAGE - ACCIDENT & ILLNESS BALANCE CANCELLATION
Member’s Choice Borrower Security Program cancels your eligible loan balance, up to the agreement maximum, should
you die from a protected illness or injury before paying off your loan.
DISABILITY & INVOLUNTARY UNEMPLOYMENT - PAYMENT CANCELLATION
If you become disabled due to a protected illness or injury or become involuntarily unemployed, Member’s Choice
Borrower Security Program will cancel your monthly loan payment, up to the agreement maximum.
With Member’s Choice Borrower Security Program, every eligible member pays the same fee and you only buy enough
protection to cover your loan balance. Tying protection directly to your loan means you’ll have exactly the right
amount of protection - no more, no less, and that saves you money. Other benefits include:
- Helps protect your family, collateral, and credit rating
- Simple eligibility requirements
- Fast, easy enrollment
- Immediate enrollment for eligible borrowers
- Convenient - fee can be included in your monthly payment
You can count on Member’s Choice Borrower Security Program to step in when you and your family need help the most.
And that means your dreams can go on and on – even when your income doesn’t.
For more information about Member’s Choice Borrower Security Program, ask your dedicated Loan Consultant or refer
to your member agreement for details.
This is a summary of our Payment Protection program. Enrollment in the program is voluntary and not required
to obtain a loan. Member’s Choice Borrower Security Program is a debt cancellation product available through
Aspire Federal Credit Union. Please contact your Aspire Federal Credit Union loan representative, or refer
to the Member Agreement for additional information on benefit maximums, eligibility, and limitations.
Loan Calculator - Home Equity
Loan Calculator - Consumer
Private Student Loan Program
An exciting and affordable new program from Aspire FCU
College is a big investment. But, don’t worry; we’re here to help right through graduation!
EdAccess Private Student Loan - Our low cost student loan is designed to meet your education needs. *
- Competitive Interest Rates and with good grades, get even lower rates
- 1% Interest Rate Reduction once you repay 10% of the loan
- No Cosigner Required for Juniors and Seniors. Creditworthy students can apply on their own
It can be used to pay for qualified education expenses including:
- Tuition
- Room & board
- Books & computer
- Past due tuition bills
Full interest and principal payments are deferred until 6 months after graduation and the repayment period is
up to 10 years.
Borrow as little as $2,000 or as much as $30,000 per academic year.
Get Started Today!
- Click here to apply
- Complete the loan application
- Send in supporting documents
- Get instant pre-approval
- Receive check within 2 weeks
* Private student loans should be used as a supplemental funding after exhausting all other sources of financial
aid, including grants, scholarships, and federal student loans. Federal loans offer more attractive terms when
compared to most other borrowing options, including private student loans. For more information on federal loans,
visit http://www.fafsa.ed.gov
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