Debt Protection

Debt Protection
Financial Protection for You and Your Loved Ones.


Why have Debt Protection?

Debt Protection from Cinfed takes care of you and your loved ones by canceling your credit card payments in the event of death, disability or involuntary unemployment. With Debt Protection, you can:

  • Protect yourself and your family from financial hardships
  • Ease your financial worries at a traumatic time
  • Safeguard your credit rating
  • Enjoy peace of mind

For as little as a few dollars a month, you can be assured your outstanding credit card balance will be covered.

When am I covered?

Your payments or outstanding balances are canceled in the event of death, disability or involuntary unemployment, as follows:

  • Death: cancels card balance as of date of death, up to $75,000
  • Disability: cancels your minimum monthly payment, for up to 12 months, up to $1,000 per month, $15,000 maximum
  • Involuntary Unemployment: cancels your minimum monthly payments for up to 3 months, up to $1,000 per month, $15,000 maximum

You only pay for protection on what you actually owe. Your Debt Protection charge will be added to your monthly account balance. Plus you’ll have the first 30 days to review your plan with a no-obligation, money-back guarantee.


  • Death
  • Disability
  • Involuntary Unemployment
  • Death
  • Disability
  • Death

*per $1,000 of your outstanding credit card balance

What are you waiting for?

CALL 513-333-3800


Applicant must meet the following conditions:
(1) You are under age 70;
(2) If applying for Death or Disability protection: during the last 2 years, you have not been advised of or treated for: cancer, heart attack or coronary artery disease, stroke, cirrhosis, AIDS, or had a positive HIV test;
(3) If applying for Disability or Involuntary Unemployment protection: you are presently working twenty-four (24) or more hours per week;
(4) If applying for Involuntary Unemployment: you are not self-employed, and have not received unemployment benefits within the past 2 years.
Your purchase of debt protection is optional. Whether or not you purchase Debt Protection will not affect your application for credit or the terms of any existing credit agreement you have with us. We will give you additional information before you are required to pay for the program. This information will include a copy of the contract containing the terms and conditions of the program. There are eligibility requirements, conditions and exclusions that could prevent you from receiving benefits under the program. Carefully read the contract for a full explanation of the terms and conditional of the program. After you enroll, you will receive a Debt Protection Program Agreement; please read carefully for a full explanation of the terms and conditions of the plan. The cost is disclosed in the table above. You may cancel at any time. If you do so within 30 days of your enrollment, we will credit your account for any Plan fees paid. The Plan can also be terminated if your account is paid off and closed; if you exhaust the benefits under the Plan; if your Plan fees are past due or your account payments are past due 90 days or more; if we discontinue the Plan for any reason; or if the plan auto-cancels due to being past due more than 90 days, the borrower is required to re-enroll in the Plan.


Cinfed Credit Union
4801 Kennedy Avenue
Cincinnati, OH 45209
(513) 333-3800
Routing #242076656


They always go above and beyond at the Oakley branch and truly care about each of their members. And, I absolutely love their kids' membership program. It makes it fun for them to learn about money... 
— Courtney Snow
Been a member since I moved to the Queen City in 1978. Cinfed has always provided customer service that other financial institutions only dream about. Thank you for almost forty years of outstanding... 
— Tim Grabenstein
I recently became a member here at CINFED and it was the best decision I have ever made. I walked in with tears and despair and left with dry eyes, a smile, and I even received a hug from the branch... 
— Melanie
Earlier this year my much younger sister passed away and with that many obligations were to be met by my husband and myself ..My sister was survived by a daughter and son. We have since then taken on... 
— Vonda
How lucky I am to have Liz Frey managing the office I use! I live in Florida but maintain Cinfed as my main banking office. Everytime I need special help a simple email or call to Liz and it is... 
— Debbie G
Emily Snyder took the best care of my two auto loans. She was professional, courteous and very knowledgeable of the available services for me. She went out of her way to make sure I felt like I was... 
— Sarah Amyotte
I have been member with Cinfed since 1986. The Roselawn Cinfed staff greeted the customer phone calls friendly and polite willing to help you with your needs. They have excellent customer service.... 
— Marian Dudley
I have been a member of CINFED since about 1981 when I was transferred from SLC, Utah with the US Army Recruiting Command and have always received excellent service and support . Hope Dee Dee is... 
— Robert Olguin
I have been a member at the Roselawn Branch for a long time and I couldn't be more satisfied with the customer service. No matter how often I come in with a question or issue and no matter what... 
— Andreya T Williams
I been a member since 1985 and can not imagine banking anywhere else. This credit union as taken care of my every need. 24/7 services is excellent.
— Edward, member since 1985
I have been a Cinfed member for years. I know I can depend on them to provide excellent service. The bill pay on line is great and every time I visit the Florence branch I am met with friendly... 
— Jan Ricks
Closed a loan in 24 hours! Absolutely unheard of! Thanks to the exceptional customer service of LeAnn Rose at the Turfway Branch! She went above and beyond by providing unexpected expedited service! ... 
— Christina Stull
I recently applied for a credit card online. I received a call from Emily Snyder explaining what needs to be done next. It was easy and Emily’s customer service was excellent. Emily is a great... 
— Johnnie Bush
I met Emily Snyder because I had a flat tire in the parking lot of Cinfed Credit Union. I didn’t know what to do and she offered to help me. It was late in the evening and I didn’t think anyone... 
— Cindy Hyatt
Emily Snyder took care of setting up a consolidation loan for me on Saturday. She was very friendly, professional, and explained very articulately all the steps involved. Emily also opened a new... 
— Sally A Arbogast
I recently closed for a car loan and a credit card with Susan Z. Her service was excellent. We closed in a couple of days. She was so helpful with her knowledge. It was a pleasure to deal with her.
— Glenda Adkins
I cannot say enough good things about the service I have always received from Cinfed! Most recently, we refinanced a vehicle and dealt with Emily S.! She was quickly responsive and on top of her... 
— Serena Kain
I can say a million great things about Cinfed Credit Union and how they helped me over the years ,But there are many helpful service members, but one Great lady Is Mrs Susan Z. She is an Awesome... 
I have to say I think the new online banking update is pretty awesome. I love that the app is more up to date, clean and user friendly. Happy to be a customer with Cinfed.
— Kyle Neises
I have member with Cinfed for 24 years. The customer service is beyond great. Everything from daily banking to loan services. I recently purchased my daughter a car and originally it was going to be... 
— Tira Williams

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