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Maximizing your NCUA share insurance

As a credit union member, you can trust that your deposits are federally insured up to $250,000 per account. From savings to checking to IRAs, saving more can mean making the most of that coverage.

see coverage chart

Coverage limits for all your accounts

Your protected deposit accounts at Civic include Select Savings and Steady Save, Bonus Checking, Money Market, Choice Certificates, IRAs and Health Savings Accounts. Even YoungStar and NextGen youth accounts are protected, as are Civic business accounts!

NCUA deposit insurance covers deposits of up to $250,000 in each member account separately, based on the ownership category of the account. But that does not mean you’re limited to $250,000 in deposits: If you have individual and joint accounts, or several types of credit union accounts, each one is insured at that level.

That means having joint accounts could boost your coverage! Use the NCUA Share Insurance Estimator to see your exact coverage, which will help you maximize your insured deposits.

Here’s what NCUA coverage can look like for some common account categories: