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Auto and Homeowner Insurance

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TruStage Insurance – Insurance the Credit Union Way!

Insurance Protection

Insurance protection is part of a solid financial plan. That’s because dependable coverage helps ensure financial relief when you need it most. And along the way, that coverage means you’ll take comfort in knowing you’re protected.

Founded on nearly 80 years of working together with credit unions, we make a variety of insurance products and programs available to members like you—and help you protect what matters most.

Welcome to TruStage and insurance the credit union way. To learn more, get quotes or just explore, visit

© TruStage Insurance Agency, 2018. All rights reserved.

TruStage™ insurance products and programs are made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company and other leading insurance companies.


Links to TruStage Insurance

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Insurance Verification – Protect Your Vehicle!

Requirement to Provide Insurance

On most vehicle loans it is prudent and required as a condition of your loan agreement to provide insurance on the vehicle you’re using as collateral on your loan.

An acceptable policy must meet the following requirements:

  1. Insured’s Name and Address
  2. Vehicle Description and VIN
  3. Comprehensive and Collision Coverages
  4. A Deductible No Higher than $500
  5. Policy Number and Current Policy Period
  6. Utah Heritage Credit Union as Loss Payee
  7. No Excluded Drivers on the Policy

Where to Send Verification

Please provide Utah Heritage Credit Union with an acceptable insurance policy which meets the requirements listed on this page. You may email, mail or fax this policy to our Insurance Department. Our address for mailing and loss payee information is as follows:

Utah Heritage Credit Union
Attn. Insurance Department
PO Box 924360
Fort Worth, TX 76123
Telephone (866)521-7934, Fax (877)560-6838


Loss Payee Information

Utah Heritage Credit Union
PO Box 50
Moroni, UT 84646


If you received a notice from us regarding your insurance policy, you can logon below:

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GAP Coverage

GAP Coverage is Relatively Inexpensive

This coverage protects you if your car depreciates faster than your loan balance. If you auto is wrecked your insurance company may pay you only the current value of the vehicle leaving your with a loan balance that you’ll be responsible for. It’s relatively inexpensive coverage and protects you from pay this type of deficit.

You can discuss this coverage with your loan officer to see if it is right for you.

When is GAP Coverage Most Important?

GAP is especially important if you:

  • Lease a car. (it’s generally required anyway)..
  • If you finance 100% or more of the purchase price.
  • If you put a large down on your car this coverage is less important.

You can discuss this coverage with your loan officer to see if it is right for you.

You can use a personal loan or signature loans for:

  • Equipment
  • Farm Equipment

Next Steps

Talk to your loan officer to get options on this coverage.

Enjoy Your Day!

While your money is working for you. Get a nice yield with a Savings Certificate!

Low Fees & Rates

We have a full service mortgage department. Flexible terms and rates.

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Mechanical Breakdown Protection

Protect Yourself from Costly Repair Bills (Rewrite)

When you purchase a used car, most of us can ill afford to pay for costly repair bills. Protect yourself with Mechanical Breakdown Protection. You can pay for this coverage by adding it to your monthly car payment. When you do have a breakdown, you’ll have coverage and won’t have to pay hundreds of dollars that isn’t in your budget.

Talk to your Loan Officer to see if this coverage makes sense for you.

Next Steps

Talk to your loan officer to get options on this coverage.

Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. More information.

Utah Heritage Credit Union is an Equal Housing Lender.

More info