NCUSIF
National Credit Union Share Insurance Fund
A federally insured program that protects deposits held at credit unions in the US.
Coverage Limits of NCUSIF
Coverage Limit
NCUSIF provides coverage for up to $250,000 per depositor, per insured credit union. This means that if you have accounts at multiple credit unions, each credit union’s accounts will be insured separately up to $250,000 per account holder.
Accounts Covered
The NCUSIF provides coverage for a wide range of accounts, including savings accounts, checking accounts, share certificates, and money market accounts.
Joint Accounts
Joint accounts are insured separately for up to $250,000 per account holder. This means that if two people share an account, they can each be insured for up to $250,000, giving them a total of $500,000 in coverage.
Non-Interest-Bearing Accounts
Certain non-interest-bearing transaction accounts, such as checking accounts, are insured up to $250,000 per account holder.
In summary, the NCUSIF provides insurance protection to depositors at credit unions in the United States, up to a maximum of $250,000 per depositor, per insured credit union. The program covers a wide range of accounts and is backed by the full faith and credit of the United States government.
NCUSIF Resources
Watch Share Insurance Fund video
Watch Share Insurance Estimator video
Download NCUA Brochure
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Rates effective as of: May 9, 2025
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