Affordable insurance coverage for your loans and your vehicles.

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

Debt Protection Insurance

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

Guaranteed Auto Protection (GAP) Plus

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

Major Mechanical Protection (MMP)

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 car 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, Southern California credit union with branches in Ventura, Port Hueneme, Oxnard, RiverPark, Camarillo, Thousand Oaks, Simi Valley and Moorpark. If you live, work or attend school in Ventura or Santa Barbara Counties, you are eligible to join



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.