Welcome to NCUA's Share Insurance Estimator
The National Credit Union Administration's (NCUA) Share Insurance Estimator lets consumers, credit unions, and their members know how its share insurance rules apply to member share accounts—what's insured and what portion (if any) exceeds coverage limits.
The Share Insurance Estimator can be used to calculate the insurance coverage of all types of share accounts offered by a federally insured credit union, including:
The Share Insurance Estimator should NOT be used for investments, including:
Even if these nondeposit investment or insurance products are sold at a federally insured credit union.
The Share Insurance Estimator calculates and reports share insurance coverage for Personal Accounts, Business Accounts, and Government Accounts. Personal accounts include shares held by credit union members in single accounts, joint accounts, revocable trust accounts including both Payable on Death/In Trust For (POD/ITF) accounts and living trust accounts, and Individual Retirement Accounts (IRAs). Business Accounts are shares held by credit union members that are corporations, partnerships, and organizations, both for-profit and not-for-profit. Government Accounts are funds belong to public units such as school districts, cities, municipalities, counties, and states.
Remember - If the accounts entered into the Share Insurance Estimator are not shares in a federally insured credit union, the coverage information provided in the Share Insurance Estimator report does not apply.