Central Credit Union


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Loans and Mortgages

Loans and Mortgages

Member Protect

Central One Federal Credit Union borrowers can purchase Loss of Life and Disability security protection on their Central One loan accounts.

Loss of Life:

  • Protected before age 70 for Loss of Life amount of 100%. Loss of Life amount is the lesser of the protected balance or $50,000.
  • Not protected if death occurs the first 6 months following the effective date of protection and is related to a pre-existing condition
  • Not protected if it is the result of suicide that occurs within the first 12 months immediately following the effective date of protection
  • Not protected if it is due to the commission of a felony
  • Not protected if it is caused by or results from an atomic explosion or other release of nuclear energy
  • Not protected if it occurs on or after age 70

Disability:

  • Protected loan payment for 12 months up to $12,000.
  • Not protected if it occurs within the first 6 months following the effective date of protection and is related to a pre-existing condition
  • Not protected if it is the result of self-inflicted injury
  • Not protected if it is related to a normal pregnancy
  • Not protected if it is due to the commission of a felony
  • Not protected if it is caused by or results from an atomic explosion or other release of nuclear energy
  • Not protected if it occurs on or after age 70

Disability eligibility- Members must be "actively at work" 25 or more hours per week at time of disability, unable to do the duties of their usual occupation, and under the care of a physician. They cannot be earning wages equal to or exceeding 80% of previous wages. A reoccurring disability within one year after returning to work is treated as the same disability.

Accident & Sickness: During the first six months immediately following the effective date of the borrower security protection, protected events resulting from accidents are protected and sickness not resulting from a pre-existing condition. After six months, protected events due to both accident and sickness are covered.

CentralNet Login

CentralNet Enrollment

For first-time login to CentralNet, use the password you selected when you opened your account.

If you do not have a password or have forgotten it, call 508-842-7400 or 800-527-1017.

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