Insurance

Affordable coverage for your loans and your vehicles.

We offer a variety of plans to provide peace of mind.

If unexpected events leave you struggling to make monthly loan payments, Debt Protection can help relieve the financial pressure.

Covers financial hardship due to a death, disability, or involuntary unemployment
Your loan balance or monthly loan payments will be paid in full without penalty or added interest
Protects your credit rating

Vehicles are big investments, but with GAP Plus you're protected.

If your vehicle is stolen or damaged beyond repair, GAP Plus pays the difference between what your auto insurance covers and your outstanding loan balance
Purchase GAP Plus when you finance or refinance a new or used vehicle at Ventura County Credit Union
Coverage costs will be added into the total loan amount, eliminating out-of-pocket costs

When your vehicle's manufacturer's warranty expires, protect your finances with MMP coverage, which works just like an extended warranty.

Pays for most types of mechanical and electrical repairs at a shop you choose
Comprehensive coverage includes towing and road service, tire repair, rental car reimbursement, and reimbursement for lodging if your vehicle breaks down out of town
Premiums can be added to your monthly loan payments to eliminate out-of-pocket costs

VCCU is a full-service credit union with branches in Ventura, Port Hueneme, Oxnard, RiverPark, Camarillo, Thousand Oaks, Simi Valley and Moorpark, California.

Our calculators help you find the right auto loan.

Subject to eligibility requirements, conditions, and exclusions that apply.

Debt Protection Insurance: Available for closed-end consumer loans and home equity loans.

Guaranteed Auto Protection (GAP) Plus: This coverage is good for the length of the loan term.

Major Mechanical Protection (MMP): is available for both new and used vehicles. This coverage is transferable.