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Protecting your share accounts is our highest priority. At 1st United Credit Union, your deposits are federally insured by The National Credit Union Administration (NCUA), an agency of the U.S. Government and the strongest of the federal deposit insurance funds.
NCUA’s coverage is generally $250,000 for the sum of all savings, certificates and checking accounts per individual depositor. Individual retirement accounts are insured separately up to $250,000.
Members may qualify for more than $250,000 in coverage if you own share accounts in different ownership categories. This means that you could safely keep more funds at 1st United and still have every dollar protected by federal insurance. The most common account ownership categories for individual and family shares are single owner accounts, joint accounts, certain retirement accounts, revocable trust accounts, and irrevocable trust accounts.
Use the NCUA Share Insurance Estimator to see how much of your deposit is insured. You may also make an appointment using the Make an Appointment link above to meet with our branch staff who can walk you through insurance coverage options.
For more information, refer to NCUA’s Frequently Asked Questions.