2023年7月19日 • 3分钟
Established by the US Congress in 1970, the National 信贷 Union Administration (NCUA) provides up to $250,000 of federal share insurance to millions of credit union account holders. At Patelco, your money is insured by the NCUA up to $250,000 per member，每个帐户类型.
The National 信贷 Union Share 保险 Fund (NCUSIF) insures members’ deposits in federally insured credit unions, insuring individual accounts up to $250,000. If you hold a joint account, the NCUSIF insures up to $250,000 per account owner.
The NCUSIF has the backing of the full faith and credit of the United States — and according to the NCUA, credit union members have never lost a penny of insured savings at a federally insured credit union.1
保险 is automatic with a Patelco membership — there's no need to sign up. Your money is insured by the NCUA up to $250,000 per member，每个帐户类型.”
The NCUA is an independent government agency with a board of directors appointed by the president and approved by the Senate. It regulates credit unions, insures credit union deposits, and protects the members of credit unions. All federal and most state-chartered credit unions are members of the NCUA.
与此同时, Federal Deposit 保险 Corporation (联邦存款保险公司) 是一个独立的政府机构吗. Created after the banking crisis in 1933, 它为超过5英镑的存款提供保险,000家银行和储蓄协会.
As noted, the NCUA insures deposit accounts at credit unions for up to $250,000 per account. Similarly, the 联邦存款保险公司 insures up to $250,000 per account at 联邦存款保险公司-insured financial institutions.
The National 信贷 Union Share 保险 Fund (NCUSIF) provides all members of federally insured credit unions with $250,000 in coverage for single ownership accounts.
账户包括:
An individual with account balances of $250,000 or less at the same credit union is fully insured. If your account balances total more than $250,在你的信用合作社, additional share insurance may be available, 取决于账户类型. (If you’re unsure of your coverage, please contact us.)
NCUSIF也涵盖 traditional and Roth individual retirement accounts (爱尔兰共和军s), Keogh retirement accounts, joint accounts, and revocable and irrevocable trust accounts. Each of your NCUA-insured accounts is covered, 如果你有储蓄账户, a Roth 爱尔兰共和军 and a revocable trust account at the same credit union, NCUSIF insures your savings account for up to $250,000, your 爱尔兰共和军 for up to an additional $250,000, and your trust for up to an additional $250,000.2
The NCUSIF does not cover losses on money invested in mutual funds, 股票, 债券, 人寿保险单, 和养老金.
Before you open an account at a credit union, make sure the credit union is federally insured by the NCUA. All Patelco members are 由NCUA保险承保. The NCUA regulates which types of accounts can be insured, how accounts can be opened and closed, 如何支付利息, 以及账户的收费结构.
For a credit union to a member of the NCUA, it must:
If a credit union does not meet any of the NCUA’s requirements, it may lose its insurance coverage. This means that depositors at the credit union would not be protected if the credit union were to fail.
You can rest assured that Patelco meets all the requirements above, and your accounts at Patelco are insured.
It’s unlikely that your credit union will fail, but if it does, you will not lose any of your money up to $250,000，每个帐户类型. The NCUA typically begins to return your insured funds (as a check or direct deposit) within five days of the failure.
如果一个信用合作社倒闭了, the NCUA will try to find another credit union to take over the failed credit union’s assets and liabilities. 如果不可能的话, the NCUA will liquidate the failed credit union’s assets and use the proceeds to pay back the insured depositors.
如果你有超过250美元,你的信用合作社账户里有一万块, you may want to talk to us about what your specific coverage is.
Considering opening a savings account? Get answers to what is a savings account and the different types you have to choose from.
信贷 unions have a long history of providing financial services to members. Find out how they started, how they differ, and why they can offer unique benefits.
Learn the ins and outs of the Federal Deposit 保险 Corporation (联邦存款保险公司) and whether your CD, 货币市场帐户, and other bank accounts are insured.
