As a borrower and according to the loan agreement, it is your responsibility to maintain insurance and provide proof of coverage on your collateral for the life of the loan.

What are the insurance requirements on my loan?

Auto Loans – You must carry comprehensive and collision coverage with deductibles not exceeding $1000. Proof must include the insurance company, policy number, coverage dates, vehicle description with VIN, deductibles, and show Deseret First as lienholder.

Mortgage Loans – You must carry enough dwelling coverage to meet your loan balance. The deductible should not exceed $1000. Proof must include the insurance company, policy number, coverage dates, covered property address, deductible, and show Deseret First as mortgagee.

Condo/Townhome Loans – You will need to provide proof of HOA coverage at each policy renewal.

How should Deseret First be listed on my policy?

Deseret First Credit Union
PO Box 571100
Murray UT 84157-1100

What if I don’t provide proof of insurance for my car?

If you do not buy your own insurance or provide proof of full coverage as outlined in the loan agreement, we may buy Collateral Protection Insurance to protect the loan collateral. The insurance Deseret First buys will generally be more expensive and does not provide the liability insurance coverage that is required to legally operate the vehicle. We strongly urge you to purchase your own insurance. If you don’t currently have insurance, contact our in-house agency, Deseret Insurance Agency, for a free quote.

How can I provide proof of insurance?

Fax: 1-800-713-0262

Call: 1-800-523-6404


Mail: Deseret First Credit Union, PO Box 571100, Murray UT 84157

In Person: Deliver to any branch

Or visit to enter your insurance information and Deseret First will make an outbound call to verify coverage.

Protect your auto loan

Auto Loss Protection can cover the gap between the insurance settlement and loan balance when your car is totaled or stolen.

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Free insurance for members

As a member, you are eligible to receive free Accidental Death and Dismemberment coverage.
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our free mobile app is here

The Deseret First mobile app allows access to your accounts anytime, anywhere. Check balances, transfer funds, or deposit a check!
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