National Credit Union Administration (NCUA)

Your deposits at New Horizons Credit Union are insured up to $250,000 by the NCUA (National Credit Union Administration), an agency of the Federal Government. This is a permanent increase in insurance limits for accounts backed by the National Credit Union Share Insurance Fund (NCUSIF). The boost in insurance coverage is the same as that provided for the Federal Deposit Insurance Corporation (FDIC), which insures bank deposits. This insurance fund is currently at the strongest and best reserve level in its history, making your Credit Union a safe place to save. For details about the NCUA, visit

Other Types of Insurance Products*

*The products listed below are elected by members and are not NCUA-insured.


Credit Life Insurance
New Horizons Credit Union offers life insurance coverage on your insurable loan balance. Credit Life Insurance covers the insurable balance of your Credit Union loans up to $30,000 per loan. This will pay off a loan with no debt to your survivors in the event of your death. This is provided by the Credit Union at a nominal cost based on loan amount.  Rates are available for joint coverage as well.  Contact the credit union for current rates, conditions, and restrictions.

Credit Disability Insurance

Credit Disability Insurance may be purchased at your option to cover your loan payments if you become disabled. In the event that you are out of work due to a covered illness or injury, your loan payments will be paid after the first thirty (30) days. If you elect to have this insurance coverage when you get your loan, you pay a small monthly premium based on the loan amount that is figured into your payments. Contact the credit union for current rates, conditions, and restrictions.

TruStage™ AD&D Insurance

$2,000 of TruStage® Accidental Death and Dismemberment Insurance Coverage Is Yours. One of the exclusive benefits of Credit Union membership is a no-cost TruStage Accidental Death and Dismemberment (AD&D) insurance policy from CMFG Life Insurance Company. AD&D coverage pays you or your loved ones a cash benefit after an accident results in a covered injury or loss of life. You can get $2,000 of coverage, paid for by your credit union and provided by CMFG Life Insurance Company, and $100,000 in additional AD&D coverage from CMFG Life Insurance Company which can cost about $10** a month. Acceptance is guaranteed, and there are no health questions, and no medical exam required.

To learn more about AD&D Insurance for your no-cost or additional protection today, click TruStage Accidental Death and Dismemberment (AD&D)

TruStage® AD&D Insurance is offered by TruStage Insurance Agency, LLC and underwritten by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union. **AD&D Insurance costs between $10 & $15 per month for $100,000 of coverage. AD&D Base Policy Series E10-ADD-2012 and E10a-014-2012 ADD-1366257.1

TruStage™ Life Insurance

We make TruStage Life Insurance policies available to help Credit Union members like you protect the people who matter most in your life. Underwritten by CMFG Life Insurance Company, these plans are designed to fit your budget, because any amount of coverage can make a difference. Learn about this important coverage.

For information on no-cost coverage or call 1-855-612-7909 for more information.

TruStage® Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.  DTCG-1380038.1

TruStage™ Auto & Home Insurance

You trust New Horizons Credit Union to offer products and services to help you do more with what you have. That's why we've joined with a dedicated team of insurance professionals to bring you the TruStage Auto & Home Insurance program. Working with carefully selected insurance partners, these programs can provide discounted rates for Credit Union members, online services, and 24/7 claims service.

If you haven't compared auto or home insurance rates lately, it's a great time to take a look. Your Credit Union membership could result in some nice savings.

Ginger Copeland, LUTCF

Senior Sales Representative, Liberty Mutual

853 Dauphin St. Ste. C

Mobile, AL  36602

Cell:  (251) 243-2360

Fax:  (251) 930-5506 or (603) 334-3895

Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. Policy MAH-1112-4AA6

Vehicle Extended Warranty & GAP Insurance

New Horizons Credit Union offers its members a top-of-the-line Extended Warranty and GAP Insurance programs. 

An Extended Warranty is an optional, add-on coverage that can help cover unexpected repairs when your factory warranty runs out or repairs that factory warranties may not cover.  If your vehicle is still under factor warranty, you may be able to extend the warranty program. If you don't have a warranty, you may be able to still take advantage of our excellent comprehensive vehicle protection plan.                    

GAP Insurance is an optional, add-on car insurance coverage can help cover the "gap" between the amount owed on a vehicle and the vehicle's actual cash value in the event of an accident.  Many times normal auto insurance will only cover the actual value of a vehicle leaving you having to pay the difference out of pocket.


  • Peace of mind from the ultimate vehicle protection plan
  • Pay one low deductible
  • Take advantage of towing, road service and substitute transportation
  • Increase your car's resale value
  • Enjoy nationwide protection
  • Be protected from the unexpected

For more details, contact New Horizons,  or call 251-316-3240 and ask to speak with one of our Loan Officers.