Whatever your insurance needs – We can help!


All VCCU members (18 and older) are entitled to a $2,000 Accidental Death and Dismemberment Insurance policy. To receive your free coverage, simply stop in and pick up an application. You can't be turned down, and the policy remains in force for as long as you're a member. You can apply for additional coverage of up to $250,000 with your premiums automatically deducted from your account. Some restrictions may apply.

Debt Protection

If unexpected life events could leave you scrambling to make your monthly loan payments, Debt Protection can help relieve financial pressure in the event of death, disability or involuntary unemployment.

With coverage, your loan balance or monthly loan payments will be canceled without penalty or added interest. You benefit from the peace-of-mind knowing you and your credit rating are protected. There are eight plans to choose from and Debt Protection is available for closed-end Consumer loans and Home Equity Loans, subject to the eligibility requirements, conditions and exclusions that apply. Call or stop by one of our office for complete plan coverage details and costs.

GAP Plus – Guaranteed Auto Protection

Once you’ve purchased that new or used vehicle, protect your investment when you add GAP Plus coverage. If your vehicle is totaled or stolen and not recovered, GAP Plus pays the difference between what your auto insurance company covers and the outstanding amount owed on your loan. Choose to add GAP Plus coverage when you finance, or refinance, your new or used auto or motorcycle loan at VCCU. The cost of GAP Plus will be included in your total loan amount, so that there are no out-of-pocket costs. Coverage is good for the length of the loan term. Some restrictions apply. Call us at 805.477.4000 or visit any VCCU office for complete details.

Auto Mechanical Breakdown

Did you know you can buy insurance against automobile mechanical failure for both new and used cars? It's like an extended warranty. Just service your vehicle according to its manufacturer's recommendations. This comprehensive coverage includes rental car reimbursement, towing and road service, road hazard and tire coverage, as well as reimbursement for lodging if your breakdown occurs out of town. Coverage is transferrable. Premiums can be added to your monthly loan payments for convenient coverage. Stop in your nearest VCCU office for details, or ask about breakdown protection when you apply for your next auto loan.

  • Equal Housing Lender
  • NCUA
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.