Your savings are safe and insured by the National Credit Union Share Insurance Fund.
Your credit union shares are backed by the National Credit Union Administration (NCUA), 负责管理全国信用合作社股份保险基金的独立机构. 这一联邦保险基金类似于联邦存款保险公司的存款保险基金，由美国政府的完全信用担保. 你可以放心，知道你的投资在你的信用合作社是安全的和受保护的.
1970年由国会建立，为联邦保险信用合作社的会员股票账户提供保险, the NCUSIF is managed by NCUA under the direction of the three-person NCUA Board. 你的股份保险类似于联邦存款保险公司提供的存款保险. 联邦保险信用社的成员从未损失过一分钱的保险储蓄.
信用合作社鼓励其成员定期储蓄，为自己和家庭建立经济保障. 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.
WHY IS NCUSIF SHARE INSURANCE COVERAGE IMPORTANT?
如果有联邦保险的信用合作社倒闭，通过NCUSIF提供的共享保险可以保护会员免受损失. 你可以自信地12bet游戏平台并与联邦保险的信用合作社开展业务，因为没有一个成员从NCUSIF保险的账户中损失过一分钱. 从历史上看, 在被保险的信用合作社关闭后的几天内，会员就可以获得保险资金. 有联邦保险的信用合作社很少倒闭，因为只有那些运作标准健全的信用合作社才有资格获得NCUSIF的保险. NCUA还定期审查所有联邦信用合作社的运作，并与州监管机构密切合作，评估联邦保险的州特许信用合作社.
WHAT BASIC COVERAGE IS PROVIDED BY THE NCUSIF?
The NCUSIF provides all members of federally insured credit unions with $250,000 in coverage for their single-ownership accounts. These accounts include regular shares, share drafts (similar to checking), 货币市场账户, 以及股票证书. Individuals with account balances totaling $250,000 or less at the same insured credit union are fully insured. If a person has more than $250,000 at any single credit union, several options are available for additional share insurance coverage because, as discussed in greater detail (right), the NCUSIF provides separate insurance for other accounts.
会员在每个联邦保险信用合作社都有完整的NCUSIF保险，只要他们是合格的会员. 虽然NCUSIF的覆盖范围保护所有联邦保险信用合作社的成员免受广泛储蓄和股票草案产品的损失, it does not cover losses on money invested in mutual funds, 股票, 债券, 人寿保险单, and annuities offered by affiliated entities.
DOES THE NCUSIF PROVIDE ADDITIONAL COVERAGE?
联邦保险信用社的所有成员都有不同于其单一所有权账户的保险范围的选择.
退休账户
在联邦保险信用社拥有传统和罗斯个人退休账户(ira)和KEOGH退休账户的会员，在每个符合资格并成为会员的联邦保险信用社都有额外的保险. NCUSIF在每个信用合作社为传统个人退休账户和罗斯个人退休账户提供总计25万美元的保险. 另外, the NCUA insures KEOGH accounts separately in the aggregate of $250,每个信用社都有一万块. 退休帐户的保险保障与其他信用合作社帐户的保险保障是分开的. 例如, if you have a regular share account, 一个爱尔兰共和军, and a KEOGH at the same credit union, the NCUSIF insures the regular share account for up to $250,000, the IRA for up to an additional $250,000, and the KEOGH for up to an additional $250,000.
联合账户
联名账户由两个或两个以上的人拥有，他们有平等的权利从账户中取款, and no beneficiaries are named. These accounts can include regular shares, share drafts (similar to checking), 货币市场账户, 以及股票证书. The NCUSIF provides each joint account holder with $250,000 coverage for their aggregate interests at each federally insured credit union.
例如, a two-person joint account with no beneficiaries has $500,000 in coverage. 这个保险范围是独立于其他账户的保险范围之外的, such as individual accounts with no beneficiaries and retirement accounts.
信托账户
The NCUSIF provides separate coverage for both revocable and irrevocable trusts. Credit unions can establish a common informal revocable trust payable-on-death account without additional documentation; however, some trusts require additional, valid documentation to qualify for coverage. While this brochure briefly discusses how the NCUSIF insures trusts, 会员应谘询适当的专业人士，以妥善建立及记录信托安排.
可撤销的信任
Revocable trust accounts may qualify for insurance coverage of up to $250,由信托所有人(如果是信用合作社的成员)指定的每名受益人，000美元，这与信托所有人(也称为授予人或清算人)可获得的个人保险是分开的。. 例如, if a person with a revocable trust for $750,000 names a spouse and two children as beneficiaries, 整个750美元,000 would have separate NCUSIF coverage ($250,每名受益人000美元). 这种保险范围与提供给信托所有者在同一联邦保险信用社持有的其他类型账户的保险范围是分开的.
不可撤销信托
Irrevocable trusts have separate coverage based on the beneficial interest. 每个受益人在作为不可撤销信托设立的一个(或多个)帐户中的利息单独享有最高为250美元的NCUSIF保险,000. 受益人在同一所有人设立的一个以上信托安排中享有权益的, 受益人在这些信托下设立的所有帐户中的利益为保险目的加在一起，投保总额最高为250美元,000.
HOW DO I KNOW MY CREDIT UNION IS FEDERALLY INSURED?
联邦保险信用合作社必须在其广告中表明其保险状况，并在其办公室和分支机构中显示NCUSIF的官方保险标志. 有关联邦保险信用合作社的完整目录，请访问NCUA的机构网站:NCUA.政府.
覆盖范围
The standard share insurance amount is $250,每股股东000美元, 每个投保信用社, for each account ownership category. 250美元的,通过2010年的多德-弗兰克华尔街改革和消费者保护法案，2000万美元的标准股票保险账户成为永久性的.
THE NCUA SHARE INSURANCE ESTIMATOR
NCUA电子股份保险估算器可以帮助会员更好地了解NCUSIF提供的保护. 这个交互式网站允许用户输入数据来计算不同帐户方案下可用的NCUSIF覆盖率. This resource is available at MyCreditUnion.政府 /估计量.
WHERE CAN I FIND MORE INFORMATION?
NCUA提供了更多的信息，以帮助信用合作社成员更好地了解NCUSIF如何保护他们的账户安全. A comprehensive booklet entitled Your Insured Funds is available on the ncua.政府和MyCreditUnion.政府网站. This booklet contains a detailed discussion of all available types of NCUSIF coverage, along with examples illustrating how the coverage works in practice. 你可以得到更多关于信用合作社和他们提供的金融服务的信息, as well as tips on how to save, 制定预算, and plan for a major purchase at the NCUA’s consumer website, MyCreditUnion.政府.