The National Credit Union Administration, commonly referred to as NCUA, is the federal government agency that charters and supervises federal credit unions. NCUA also operates and manages the National Credit Union Share Insured Fund (NCUSIF). Backed by the full faith and credit of the U.S. government, NCUSIF insures the accounts of millions of account holders in all federal credit unions and the majority of state-charted credit unions.

Share insurance overage protects members against losses if a federally insured credit union should fail. You can confidently join and conduct business with federally insured credit unions because no members has ever lost money insured by the NCUSIF. Failures of federally insured credit unions are rare because only those with sound operational standards qualify to receive NCUSIF coverage. NCUA also regularly reviews the operations of all federal credit unions and works closely with state regulatory authorities to evaluate federally insured state-chartered credit unions.

The NCUSIF provides all members of federally insured credit unions with $100,000 in coverage for their individual accounts which include regular shares, share drafts, money market accounts, and share certificates. Recent legislation has increased the insurance coverage on certain retirement accounts, such as IRAs and Keoghs, up to $250,000.

For any questions or for more information on how your funds are insured, please visit www.ncua.gov or contact one of our member service representatives.

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