To determine if your credit union is federally insured, you can use our Research a Credit Union tool located
here.
Do I have to pay for share insurance? As a member of a federally insured credit union, you do not pay directly for your share insurance protection. Your credit union places a deposit into the NCUSIF and pays an insurance assessment based on the total amount of insured shares and deposits in the credit union.
How do you know if your credit union is federally insured? All federally insured credit unions must prominently display the below official NCUA insurance sign at each teller station and where insured account deposits are normally received in their principal place of business and in all branches. Federally insured credit unions are also required to display the official sign on their Internet page, if any, where they accept deposits or open accounts. A credit union may not end its federal insurance without first notifying members.
What Does NCUA Share Insurance Cover? Visit one of the below to find out more on your insured funds at an NCUA’s federally insured credit union.
Calculate the amount of your insured funds at a federally insured credit union using
NCUA’s Share Insurance Estimator. The estimator can be used for personal, business, or government accounts. Personal accounts include individual ownership, joint ownership, payable-on-death (accounts with named beneficiaries), living trusts, and IRAs. The Estimator also includes an extensive
Glossary of Terms and
Frequently Asked Questions.
View three videos illustrating NCUA’s share insurance coverage.
Share Insurance Overview
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Share Insurance Estimator
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Share Insurance Account Ownership Types
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View, print, or download one of the below NCUA Share Insurance publications (in English or in Spanish).
How Your Accounts Are Federally Insured
this two page pamphlet is easy to follow and highlights the basic share insurance coverage provided by NCUA for various account types.
Your Insured Funds
This multi-page booklet provides a more in-depth look at NCUA’s Share Insurance coverage and includes examples to help you understand the protection provided.