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Merger Update: Member One is rebranding to Virginia Credit Union in 2026. Learn more
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Member Shield Coverage

Protection when it matters... we're here to help

Member Shield* is a voluntary loan-payment protection product that helps relieve the worry of missing payments, paying late, defaulting, or foreclosure due to a protected**, unexpected life event.

You and your family won’t have to worry about making loan or credit card payments if you are out of work due to disability or in the event of your death.

  • Affordable premiums decline as your loan balance is paid down.
  • No physical examination required.

Talk With Us About Member Shield

Call 800-666-8811, complete the form below, or visit one of our retail center locations today.

If you currently have coverage and need to file a claim, please click the button below.


File A Claim

Watch This Video for an Overview of How Member Shield Works

Get more information about Member Shield Debt Protection

*Products are not federally insured by the NCUA, are not obligations of the credit union, are not guaranteed by the credit union, and may involve investment risk.

**Protected events include loss of life, disability, accidental dismemberment, terminal illness, hospitalization, family medical leave, loss of life of a non-protected dependent, and involuntary employment.