Consumer Debt Protection

ConsumerSafeProtect What Matters

There are a wide range of unexpected events that could leave you and your family scrambling to pay monthly bills. That’s why it is important you take action to safeguard your family against these types of events to ensure loan payments can be made on time. That’s where optional ConsumerSafe Debt Protection comes in.

Under the ConsumerSafe Debt Protection program, your loan balance may be canceled or your monthly loan payments canceled without penalty or added interest. You benefit from the peace of mind knowing you and your credit rating are protected – and most importantly – that your family is protected.

Availability and Plan Options

ConsumerSafe Debt Protection is available for closed-end consumer loans of 120 months or less and open-end consumer credit plans, unsecured lines of credit, and credit cards.

Choose from the plan options listed below:

*Rate per $1,000 of outstanding balance
DeathDisabilityInvoluntary UnemploymentSingle Cost*Joint Cost*
Plan Option 1XXX$2.69$4.86
Plan Option 2XX$1.57$2.76
Plan Option 3X$0.71$1.13

Definitions of Coverage


Give your family time to get back on their feet financially.

  • Plan 1: Cancels the remaining loan balance as of date of death (up to $75,000).
  • Plan 2: Cancels the remaining loan balance as of date of death (up to $75,000).
  • Plan 3: Cancels the remaining loan balance as of date of death (up to $75,000).


Help avoid bills piling up as you try to regain your health and earning capacity. Use this benefit as a supplement to any disability coverage you may have at work.

  • Plan 1: Cancels up to six payments per occurrence (aggregate maximum of $15,000, up to $1,000 per month).
  • Plan 2: Cancels up to six payments per occurrence (aggregate maximum of $15,000, up to $1,000 per month).


Ensure your loan payment will be taken care of as you search for new employment.

  • Plan 1: Cancels up to three payments per occurrence (aggregate maximum $15,000, up to $1,000 per month).

Designed with You in Mind

More than ever, we all worry about things that might happen tomorrow. ConsumerSafe Debt Protection provides an important sense of financial security – knowing your loan will not become a burden to you in times of hardship.

Cancel at Any Time

Your may cancel ConsumerSafe Debt Protection at any time. If you do so within the first 30 days, we will refund any fees already paid.

Want to Learn More?

Talk to a representative today by calling 804-649-2957 and learn more about our ConsumerSafe Debt Protection program.


This product is optional. Your purchase of debt protection is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us.

Additional disclosures. We will give you additional information before you are required to pay for debt protection. This information will include a copy of the contract containing the terms and conditions of debt protection.

Eligibility requirements, conditions, and exclusions. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving debt protection benefits. You should carefully read your debt protection contract for a full explanation of the terms and conditions of the debt protection program.

You are leaving the Partners FFCU website and will be linked to an alternate Internet site not operated by the credit union. Partners FFCU is not responsible for the content of the alternate Internet website. Partners FFCU does not represent either the third party or you if the two of you enter into a transaction. Please be aware that privacy and security policies on the website to which you are being taken may differ from those practiced by Partners FFCU.

A $15. Convenience fee will be automatically added to your payment amount. Your maximum total payment amount (including the $15 convenience fee) cannot exceed $800. Payments initiated and approved by 3:00pm will be applied to your loan on the same business day. Payments initiated and approved after 3:00pm, or on a day that the credit union is closed (weekends and holidays), will be applied on the next business day. If you have a PFFCU debit card, please log into home banking to make your loan payment.

Please select OK to confirm and continue to the payment form.

Excludes mortgages and home equity lines of credit. A $25 fee is due at set-up for each loan. Loan must have been open for at least 6 months. Past due accounts do not qualify. One skip-a-pay allowed per calendar year (Jan-Dec).