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115 Mecaw Rd., Hampden, ME 04444|(207) 945-6264

Debt Protection

Whether you’re taking out a loan to make home improvements or to buy a vehicle, it can be a financial gamble because things happen, life happens.  You’re assuming you will be able to pay back your loan.  Or that you won’t lose your job (through no fault of your own). Or that you won’t become disabled (due to injury or illness). Or that you won’t pass away unexpectedly, which could leave your family responsible for your loan balance.  Life events can cause financial hardship, making paying your bills difficult.  You don’t want delinquent payments and defaulted loans to cause you to lose your assets, or to negatively impact your credit rating, or to cause financial distress for your family.

Let us help you play it safe.

Debt Protection is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you.  Simple eligibility requirements help ease the enrollment process.

We offer a Debt Protection Plan through CUNA Mutual Insurance Group which provides a voluntary payment protection product that can provide financial assistance to cover your loan balance or monthly payment(s).  Protected events include:  loss of life, disability or involuntary unemployment.

Your purchase of any debt protection product 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 talk to your loan officer or refer to the Member Agreement for a full explanation of the terms of the Debt Protection Plan. Debt Protection is not a deposit and is not federally insured or guaranteed by NCUA.


Links to Third Party Sites

You are now leaving Changing Seasons Federal Credit Union ("The Credit Union") website and linking to a website not owned or operated by the Credit Union. Links to other Web Sites/e-mail addresses are provided solely as a convenience to our members and other customers.

The Credit Union has no control over the content of these sites/addresses; and the Credit Union shall have no responsibility or liability relating to any access to such sites or communications between you and such Third Parties.

The Credit Union's privacy disclosures do not apply to linked Third Party websites, and we advise you to consult the privacy disclosures on the linked Third Party website for further information.

The Credit Union's website may also contain links to other websites owned, operated by, or affiliated with the Credit Union ("Affiliated Sites"). Affiliated Sites are also not governed by Credit Union's privacy or other policies; and you are advised to review the privacy disclosures applicable to each Affiliated Site you visit.

Products / Services Offered by Third Parties / Affiliates: Any products or services ("products") which are provided by third parties or any affiliates are not products of the Credit Union. If the purchase of same is facilitated by or through Credit Union financing such is merely a convenience to the borrower(s) and in no way creates any contractual or other relationship between the borrower(s) and the Credit Union with regard to any such products. Any rights, obligations or claims with regard to such products shall be solely and exclusively by and between you and the third party providing such products as may be set forth in any applicable contracts, agreements or otherwise, and the Credit Union shall have no obligations, responsibilities, duties, or liabilities whatsoever regarding same.