Fully insured for your peace of mind

University Credit Union share deposits are federally insured through the National Credit Union Administration (NCUA) in the National Credit Union Share Insurance Fund (NCUSIF). The fund is backed with the full faith and credit of the United States Government. Share accounts in federally insured credit unions are insured up to $250,000, IRAs are insured separately to $250,000.


Is my money safe in a credit union?


UCU is a state-chartered credit union, which means deposits are covered by National Credit Union Share Insurance Fund (NCUSIF) protection. Not one penny of insured savings has ever been lost by a member of a federally insured credit union. Watch the video below for more info on how the NCUA protects you.


Share insurance account ownership types

Single account? Joint account? Revocable Trust or Retirement account? It's all insured, up to $250,000 by the NCUA and the full faith and credit of the United States government. Learn more in this video below.



What is insured by the NCUA?


Savings Accounts


Checking Accounts


Share Certificates


Money Market Accounts


Retirement Accounts (IRAs)


Trust Accounts


What is not insured by the NCUA?


Mutual Funds




Non-Deposit Investments


Planning to keep more than $250,000 at a single credit union?

Options are available for additional share insurance coverage depending on the account type. Contact us with any questions.

Share Insurance Estimator Tool

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. Watch this guide video and use the NCUA's estimator tool to determine your coverage.

Try it now

Member Testimonial

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