HUB International Home & Auto Program

Looking for auto or home insurance? LUSO Federal Credit Union has teamed up with HUB to offer our members exclusive savings opportunities. Through your credit union membership, you have access to a team of personal insurance professionals who will listen to your needs and provide you with a free quote to ensure you receive the best coverage and rate.

HUB has partnered with a wide variety of top-quality insurance carriers to provide you with access to additional insurance options and significant savings including:

  • Save up to $500, plus MAPFRE 6% Auto Insurance & 4% Homeowners Insurance Discounts
  • Bundle & Save with Auto & Home Insurance Policies
  • Disappearing Deductible Credits
  • Accident Forgiveness
  • Multi Car Individual/Spouse
  • New Customer Credit
  • Automatic Bill Pay/Pay In Full
  • Advanced Driver Training
  • New Auto Replacement Cost
  • Auto Loan/Lease Gap Coverage
  • Pet Coverage
  • Student Away At School
  • Good Student Discount
  • Military Away Discount
  • Low Mileage Discount
  • Group Discounts
  • AARP Discount
  • Accident Air Bag Discharge Coverage
  • Original Equipment Manufacturer Parts Coverage

TruStage® Auto & Home Insurance Program

You trust your Credit Union to make products and services available 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.

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.

Get your Free Quote today or call 1-855-483-2149

  • Property and casualty coverage solution preferred by credit unions and their members
  • Access convenient e-service to pay your bill, make changes to your policy, or report a claim
  • Receive fast, easy access to claims service 24/7
  • Obtain a free, no-obligation quote

TruStage® Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. 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. © TruStage Insurance Agency 2017

AHE, AHL-1339491.2

Member's ChoiceTM Guaranteed Asset Protection (GAP)

If your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared as a total loss, you are still liable to pay the difference - or the “gap” - between your insurer’s settlement and your loan balance. This difference between what your insurance will pay and what you owe on your loan could be significant, but GAP is an affordable way to avoid a potentially significant expense.

  • GAP is a low-cost insurance coverage that pays the potentially high-cost difference between your insurance settlement and your loan balance on items directly related to the purchase of your vehicle
  • GAP Plus coverage also includes up to $1,000 toward your down payment of a replacement vehicle (where allowed by law and when financed by our credit union)
  • You can sign up for GAP when you apply for your vehicle loan - there’s no underwriting, no red tape and no hassles.
  • For your convenience, the GAP amount can be rolled into your monthly loan payment
  • GAP is fully refundable if you cancel the coverage within the first 90 days

Member's Choice© Mechanical Repair Coverage

You can’t choose when your vehicle breaks down, but you can choose to lessen your financial burden and inconvenience when it does. Member's Choice© Mechanical Repair Coverage pays for covered repairs (cost of parts and labor) on your vehicle when unexpected breakdowns occur. Choose the plan and terms of protection that are right for you.

  • Purchase coverage at any time as long as your vehicle is 10 years old or newer with 100,000 miles or less
  • Your vehicle is immediately covered upon enrollment if an unexpected breakdown occurs
  • Experience Member's Choice© Mechanical Repair Coverage for 30 Days*
  • During the first 30 days, if you wish to cancel your coverage, you may without a cancellation fee
  • If you choose to continue coverage, your coverage will simply continue with no interruptions

*Some states allow more than 30 days to experience the product, however, cancellation fees may apply. Check with your financial institution.

Accidental Death & Dismemberment

Your untimely accidental death could leave your family with long lasting financial burdens. Accidental Death & Dismemberment insurance can help give them a safety net.

  • Members are eligible to enroll for $1,000 of no-cost TruStage® Accidental Death & Dismemberment Insurance underwritten by CMFG Life Insurance.
  • AD&D insurance can pay a cash benefit to your beneficiary if you die in an accident or suffer a serious injury.
  • Credit union members ages 18 and over can also choose to increase their protection (Member Only Plan) or their family’s (Family Plan) with up to an additional $300,000 in coverage.
  • Acceptance is guaranteed and there are no medical questions. 

TruStage® AD&D Insurance is offered by TruStage Insurance Agency, LLC and underwritten by CMFG Life Insurance Company. The insurance is not a deposit and is not federally insured or guaranteed by your credit union. Base Policy Series E10a-014-2012, E10a-ADD-2012 and E10a-015-2012.


VPI Pet Insurance

Caring for pets can be expensive, but pet insurance can help make costs more manageable. We have partnered with VPI Pet Insurance to offer discounted coverage rates. Pick a plan that fits your needs and budget.

  • 10-day 100% money-back guarantee
  • Free to use your choice of licensed veterinarian (no pre-approval necessary)
  • VPI’s plans are licensed in all 50 states
  • Receive discounts when enrolling multiple pets – up to 5% and 10%
  • Enjoy discounts on pet products and services, a policyholder newsletter, online support, and more