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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:

  • Share Draft Accounts (also known as Checking Accounts)
  • Share Savings Account (regular, club, escrow, etc., including both statement and passbook type of accounts)
  • Money Market Accounts (MMAs)
  • Certificate Accounts (share certificates and certificates of deposit)
  • Individual Retirement Accounts (savings and certificates)

The Share Insurance Estimator should NOT be used for investments, including:

  • Mutual Funds
  • Stocks
  • Bonds
  • Annuities
  • ANY investment that is not a share account at a federally insured credit union

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.

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“Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.”


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.