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Protect Yourself from the Unexpected

We offer the following types of protection for your auto or personal loan. Contact or visit us to learn more or sign up for one of these protection plans.

GAP (Guaranteed Asset Protection)

If your vehicle is in an accident and considered "a total loss," GAP will cover the difference between what you still owe on the loan and the actual value of the vehicle (also referred to as the insurance company settlement). If you know someone who had to use GAP due to an accident, you understand how valuable this financial protection is.

Auto Deductible Reimbursement (ADR) pays up to $500 per loss (limit of two losses per year) when a claim is filed and paid with your primary insurance carrier.

Coverage of ADR is effective upon date of enrollment and will continue for three years. Learn more.

Debt Protection Plan

Debt Protection is a low-cost, optional feature of VCCU loans that kicks in when you’re unable to work, whether disabled or involuntarily unemployed. Members also value the relief that Debt Protection provides in the event of death. In these unfortunate circumstances, Debt Protection can help make a loan payment or even pay off the loan.

Mechanical Breakdown Policy

Ensuring that your investment in your vehicle is protected is why we offer our members mechanical breakdown coverage. Our mechanical breakdown policy provides protection regarding a variety of car repairs. Learn more.