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Do you worry about unexpected life events that could leave you struggling to pay your bills?

Would your family be able to pay your loan payments, along with other financial responsibilities, without your financial contribution?

ECU Loan Guardian is a voluntary loan-payment protection product that helps relieve the financial burden of your loan for you or your family during a time when income may be reduced or lost due to an unexpected event in your life.

Protected life events include:

  • Death, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Injury and illness
  • Involuntary unemployment

Products included in this coverage are:

  • Consumer loans
  • Credit cards

If a protected life event occurs, ECU Loan Guardian will cancel your covered  loan debt helping to lessen your worries, and your family’s worries, about making loan payments at a time when paying bills may become challenging.  ECU Loan Guardian can help avoid delinquent payments and defaulted loans negatively impacting your credit rating.

Life is unpredictable – enroll in ECU Loan Guardian today!


Your purchase of ECU Loan Guardian 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.  Please contact an ECU Loan Officer, or refer to the Member Agreement, for a full explanation of the terms of ECU Loan Guardian.

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.  During the time it takes to process your protection activation, you remain responsible for making at least the minimum required loan payment due on the loan by the payment due date.


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