HUB Financial Services specializes in serving credit unions with insurance, risk management, and advisory solutions built around how credit unions actually operate, from protecting loan portfolios to strengthening the balance sheet and generating new revenue. Our lending risk programs are built to hold up under regulatory scrutiny and are designed with the full collateral protection stack in mind.
Credit unions face risks that extend well beyond the general enterprise. When coverage is fragmented, gaps form.
Your institution deserves a unified strategy, built by true subject matter experts.
The Challenge
When these needs are spread across multiple vendors, no single partner has the full picture of what's actually happening at the institution.
The Solution
HUB Financial Services invests in subject matter experts across every part of the business, insurance, risk, advisory, and revenue generation, so credit unions get one comprehensive approach instead of a patchwork of vendors.
Serving the Entire U.S.
Insurance & Risk Management Programs
Our comprehensive capabilities set us apart. We act as a broker for lending risk programs, enterprise and executive lines coverages. We provide partnership advisory on balance sheet management and non-interest income securities. We serve as a program administrator for outsourced insurance tracking, lender-placed insurance and GAP protection programs. HUB offers decades of financial institution experience, and every subject matter expert on our team is accessible when you need us.
Force-Placed Insurance Coverage
Hazard and flood coverage placed when a member's insurance lapses on residential and commercial real estate loans. CFPB-compliant notices and full audit trail.
Learn More →Collateral Protection Insurance (CPI)
Single-interest coverage for auto and consumer loan portfolios. Protects the credit union's interest without burdening the member with duplicate coverage.
Learn More →Outsourced Insurance Tracking
We monitor member insurance status loan by loan, send compliant notices, and escalate to placement only when required. Reduces FTE load and exam risk.
Learn More →Mortgage Impairment Insurance
Catches the gaps that tracking and force-placement can't — uninsured losses on mortgaged property where coverage failed at the member or servicer level.
Learn More →Blanket Insurance for Lenders
Portfolio-wide coverage for institutions where loan-by-loan tracking isn't a fit. Common for smaller commercial and consumer portfolios.
Learn More →Home Equity Protection Program
Equity coverage that protects the credit union's lien position on home equity lines of credit and home equity loans against valuation drops at default.
Learn More →Advisory & Institutional Programs
Insurance is one part of the partnership. We also help credit unions manage the balance sheet, grow non-interest income, and protect the institution at the enterprise level.
Balance Sheet Advisory
Tailored balance sheet advisory services to help institutions navigate ALCO, investments, and regulatory compliance, and optimize profitability.
Learn More →Revenue Generation
Value-based, compliant direct-marketed, loyalty, and affinity fee income programs designed to grow non-interest income and deliver value to your members.
Learn More →Institutional Coverages
Professional lines and enterprise risk products, including D&O, FI Bond, Cyber, and general liability, built for the specific risks credit unions carry.
Learn More →Why do 1,500+ financial institutions trust HUB?
Because the difference speaks for itself.
They get direct access to their team, not a call queue representative.
Their daily workflow is lighter. Overall efficiency drives everything we do.
Their questions get answered by subject matter experts, not bots and scripts.
They gained a strategic partner across the entire institution, not just another vendor to manage.
Compliance Expertise: A Collaborative Responsibility
A Seat at the Table
We hold leadership positions in industry associations. We're in the room where best practices and policy take shape, advocating for the issues that affect you.
Genuinely Accessible Expertise
Our clients have unlimited access to one-on-one calls with niche subject matter experts, plus a library of webinars and other thought-leadership resources.
Audit-Ready, Always
We invest in audit-ready infrastructure across every product and service, and we're available to answer auditor questions directly when you need us.