How much are my funds insured for?

NCUA insurance guarantees that you’ll receive the money that you’re entitled to from your deposit account if your credit union goes under. It guarantees up to $250,000 per person, per institution, per ownership category.

For example, if you had $100,000 in a savings account, $100,000 in a money
market account, and $50,000 in a checking account, that would equate to
$250,000 for an individual depositor.

Joint accounts are covered at $250,000 per owner, per ownership category. 

For example, if you and your spouse had a joint savings account
with $485,000, you would be insured for the full amount.

Confirming the accurate amount of insurance you have within multiple accounts can be a bit of work, so 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. You can access it here:

You may also visit for more information on your insurance coverage.