Loan Protection

Life Plus

Life Plus adds protection for life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent. Protect your loan balance or loan payments today so your family can worry a little bit less about tomorrow. Purchasing protection is voluntary and won’t affect your loan approval. It’s simple to apply. Ask your loan officer about eligibility, conditions, or exclusions.

Loss of Life Protection

Loan Protection can cancel your eligible loan balance or your monthly loan payments, up to the agreement maximum, should you die from a protected illness or injury before paying off your loan.

In the event of....

Death

Disability

Involuntary Unemployment

What happens...

Protected borrower passes away

A covered disability occurs due to injury or illness

A covered job loss occurs

It cancels this... up to the contract maximums

Your payments or loan balance

Your loan payments

You may be eligible if you...

Have an eligible loan

Are a permanent employee who is actively working*

Are a permanent employee who is actively working* Are honorably discharged.

*Refer to the member agreement for a full explanation of terms and conditions.

Disability

If you become disabled due to a protected illness or injury, Loan Protection cancels your monthly loan payments, up to the agreement maximum.

Loan Protection

In the event of....

Death

Disability

Involuntary Unemployment

What happens...

Protected borrower passes away

A covered disability occurs due to injury or illness

A covered job loss occurs

It cancels this... up to the contract maximums

Your payments or loan balance

Your loan payments

You may be eligible if you...

Have an eligible loan

Are a permanent employee who is actively working*

Are a permanent employee who is actively working* Are honorably discharged.

*Refer to the member agreement for a full explanation of terms and conditions.

Involuntary Unemployment

If you become involuntarily unemployed, Loan Protection cancels your monthly loan payments, up to the agreement maximum.

Loan Protection

In the event of....

Death

Disability

Involuntary Unemployment

What happens...

Protected borrower passes away

A covered disability occurs due to injury or illness

A covered job loss occurs

It cancels this... up to the contract maximums

Your payments or loan balance

Your loan payments

You may be eligible if you...

Have an eligible loan

Are a permanent employee who is actively working*

Are a permanent employee who is actively working* Are honorably discharged.

*Refer to the member agreement for a full explanation of terms and conditions.

Protection for Consumer Loans

When Debt Protection may cancel your loan balance or payments:

Involuntary Unemployment

Disability

Loss of Life

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 working*

Have an eligible loan

CUNA Mutual Group, Proprietary Data. 2Contract Terms and Maximums apply. The maximum benefit will reduce to 25% of the protected loan balance once a member reaches a certain age. 3One occurrence per rolling 12 months for all events. Your purchase of 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. *Refer to the Member Agreement for complete terms. 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-3414687.1-0121-0423 CUNA Mutual Group ©2021, All Rights Reserved.

Test Modal

In consectetuer turpis ut velit. Aenean ut eros et nisl sagittis vestibulum. Aenean posuere, tortor sed cursus feugiat, nunc augue blandit nunc, eu sollicitudin urna dolor sagittis lacus. Quisque id mi. Phasellus viverra nulla ut metus varius laoreet.

Integer tincidunt. Nullam nulla eros, ultricies sit amet, nonummy id, imperdiet feugiat, pede. Quisque ut nisi. Vestibulum ante ipsum primis in faucibus orci luctus et ultrices posuere cubilia Curae; In ac dui quis mi consectetuer lacinia. Vivamus quis mi.

Test Modal 2

Sed a libero. Nullam nulla eros, ultricies sit amet, nonummy id, imperdiet feugiat, pede. Pellentesque habitant morbi tristique senectus et netus et malesuada fames ac turpis egestas. Phasellus blandit leo ut odio. Nullam nulla eros, ultricies sit amet, nonummy id, imperdiet feugiat, pede.

Ut varius tincidunt libero. Cras ultricies mi eu turpis hendrerit fringilla. Morbi ac felis. Vestibulum facilisis, purus nec pulvinar iaculis, ligula mi congue nunc, vitae euismod ligula urna in dolor. Donec mollis hendrerit risus.

Online Banking Login

Upgrade

Open an Account

Open an account and fund it online, from home, in minutes

Open an account

Apply for a Loan

Apply for a loan right now and get pre-approval in minutes

Apply for a Loan

Important Update!

Members with an existing PHFCUOnline username are experiencing problems with logging into the new home banking site. We are currently working quickly to resolve this issue. The work around is to click on the Forgotten Password link and to follow the onscreen instructions.

Continue to view full PHFCUOnline instructions

How to Apply

STEP 1

Complete an application.

STEP 2

· Email your application and resume to Careers@phfcu.com

· Drop it by any of our branch locations

· Send it in the mail: PEARL HAWAII FEDERAL CREDIT UNION, Attn: Human Resources Dept., 94-449 Ukee Street, Waipahu, HI 96797

Leaving Our Website

By accessing this link, you will be leaving the Credit Union’s web site and entering a web site hosted by another party.

Although the Credit Union has approved this as a reliable partner site, please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the Credit Union’s web site. The other party is solely responsible for the content of its web site.

We encourage you to read and evaluate the privacy and security policies on the site you are entering, which may be different than those of the Credit Union.

You will be leaving the credit union’s site

Loan Protection

Value of Loan Protection

Be prepared for the unexpected

Select any of the links below to learn more:

Let your dreams go on and on - even when your income doesn't

Mechanical Repair Coverage

Guaranteed Asset Protection

Auto Loans

Credit Cards

Life Plus

Loss of Life Protection

Loan Protection

Disability

Loan Protection

Involuntary Unemployment

Loan Protection

Protection for Consumer Loans

Protection for Consumer Loans

Test Modal 2

Upgrade

Open an Account

Apply for a Loan

Important Update!

How to Apply

STEP 1

STEP 2