Share Insurance Coverage


Credit unions encourage their members to save regularly to build economic security for themselves and their families.

Federally insured credit unions offer a safe place for you to save your money, with deposits insured up to at least $250,000 per individual depositor. The National Credit Union Administration (NCUA) is the independent agency that administers the National Credit Union Share Insurance Fund (NCUSIF). Like the FDIC's Deposit Insurance Fund, the NCUSIF is a federal insurance fund backed by the full faith and credit of the United States government.

The NCUSIF insures member savings in federally insured credit unions, which account for about 98 percent of all credit unions in the United States. Deposits at all federal credit unions and the vast majority of state-chartered credit unions are covered by NCUSIF protection, and not one penny of insured savings has ever been lost by a member of a federally insured credit union.

This toolkit provides a variety of helpful resources for consumers to better understand insurance coverage on their deposits at NCUA federally insured credit unions. For additional information about NCUA’s Share Insurance coverage, please contact us.


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.

Share Insurance Estimator 


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.

Share Insurance Overview Poster/Flyer
This one page flyer is easy to follow and highlights the basic share insurance coverage provided by NCUA for various account ownership types.


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