你的信用合作社股份由国家信用合作社管理局(NCUA)担保, an independent agency responsible for managing the National Credit Union Share 保险 Fund (NCUSIF). This federal insurance fund is similar to the FDIC's Deposit 保险 Fund and is guaranteed by the United States 政府ernment's full faith and credit. You can rest assured knowing that your investment in your credit union is secure and protected.
Established by Congress in 1970 to insure member share accounts at federally insured credit unions, 学校由校友会管理，由校友会三人理事会领导. Your share insurance is similar to the deposit insurance protection offered by the Federal Deposit 保险 Corporation (FDIC). Not one penny of insured savings has ever been lost by a member of a federally insured credit union.
Credit unions encourage their members to save regularly to build economic security for themselves and their families. 联邦保险信用合作社为你提供了一个安全的地方来存钱, 存款最高可达250美元,每名存款人000美元.
Share insurance coverage offered through the NCUSIF protects members against losses if a federally insured credit union should fail. You can confidently join and conduct business with federally insured credit unions because no member has ever lost a penny from accounts insured by the NCUSIF. 从历史上看, insured funds are available to members within just a few days after the closing of an insured credit union. Failures of federally insured credit unions are rare because only those with sound operational standards qualify to receive NCUSIF coverage. The NCUA also regularly reviews the operations of all federal credit unions and works closely with state regulatory authorities to evaluate federally insured state-chartered credit unions.
NCUSIF向联邦保险信用合作社的所有成员提供250美元,为他们的单一所有权账户投保. 这些账户包括普通股, 共享草稿(类似于检查), 货币市场账户, 以及股票证书. 账户余额总计250美元的个人,在同一保险信用社中，000或更少的人被完全投保. 如果一个人有超过250美元,在任何一个信用合作社, 对于额外的股票保险，有几种选择，因为, 如前所述(右), 全国职工联会为其他帐户提供单独保险.
Members have full NCUSIF coverage at each federally insured credit union where they are qualified members. While the NCUSIF coverage protects members at all federally insured credit unions from losses on a broad spectrum of savings and shares draft products, 它不包括投资于共同基金的资金损失, 股票, 债券, 人寿保险单, 以及关联实体提供的年金.
All members of federally insured credit unions have options for coverage that is separate from and in addition to the coverage available to their single ownership accounts.
Members with traditional and Roth Individual Retirement Accounts (IRAs) and KEOGH retirement accounts at federally insured credit unions have additional coverage available at each federally insured credit union where they qualify and become members. The NCUSIF insures traditional and Roth IRAs for $250,000 in the aggregate at each credit union. 另外, 全国职工联会分别为KEOGH帐户投保，总额为250美元,每个信用社都有一万块. Retirement account insurance protection is separate and apart from insurance coverage on other credit union accounts. 例如, 如果你有一个普通的股票账户, 一个爱尔兰共和军, 和同一家信用社的KEOGH, NCUSIF为普通股票账户提供最高250美元的保险,000, 个人退休账户的额外费用高达250美元,000, 以及KEOGH，最高收费250美元,000.
Joint accounts are owned by two or more people who have equal rights to withdraw money from the account, 没有受益人的名字. 这些账户可以包括普通股票, 共享草稿(类似于检查), 货币市场账户, 以及股票证书. 国家基金向每个共同帐户持有人提供250美元,为他们在每个联邦保险信用社的总利益提供1万美元的保险.
例如，一个没有受益人的两人共同账户有50万美元的保险. 这个保险范围是独立于其他账户的保险范围之外的, 比如没有受益人的个人账户和退休账户.
NCUSIF为可撤销信托和不可撤销信托分别提供保险. Credit unions can establish a common informal revocable trust payable-on-death account without additional documentation; however, 有些信托需要额外的, 有资格获得保险的有效文件. 虽然这本小册子简要地讨论了NCUSIF如何为信托提供保险, members should consult appropriate professionals to properly establish and document trust arrangements.
可撤销信托账户可能有资格获得最高250美元的保险范围,000 per beneficiary named by the owner (if a member of the credit union) that is separate from the individual coverage available to the trust owner (also referred to as grantor or settlor). 例如, 如果某人拥有可撤销信托750美元,000人将配偶和两个孩子列为受益人, 整个750美元,000美元将有单独的NCUSIF保险(250美元),每名受益人000美元). This coverage is separate from the coverage provided to the other types of accounts held by the trust’s owner at the same federally insured credit union.
不可撤销信托根据受益人的利益有单独的保险范围. The interest of each beneficiary in an account (or accounts) established as an irrevocable trust has separate NCUSIF coverage of up to $250,000. In cases where a beneficiary has an interest in more than one trust arrangement created by the same owner, the interests of the beneficiary in all accounts established under such trusts are added together for insurance purposes and insured for a total of up to $250,000.
Federally insured credit unions are required to indicate their insured status in their advertising and to display the official NCUSIF insurance sign in their offices and branches. For a complete directory of federally insured credit unions, visit the NCUA’s agency website at ncua.政府.
标准的股票保险金额为250美元,每股股东000美元, 每个投保信用社, 对于每个帐户所有权类别. 250美元的,000 standard share insurance account became permanent through the Dodd-Frank Wall Street Reform and Consumer 保护 Act of 2010.
The NCUA Electronic Share 保险 Estimator is available to help members better understand the protection offered by the NCUSIF. This interactive site allows users to input data to compute the amount of NCUSIF coverage available under different account scenarios. 此资源可在 MyCreditUnion.政府 /估计量.
The NCUA has more information available to help credit union members better understand how the NCUSIF keeps their accounts safe and protected. 一份名为“你的保险资金”的小册子可以在ncua上找到.政府和MyCreditUnion.政府网站. 这本小册子包含了所有可用的NCUSIF覆盖类型的详细讨论, 以及说明如何覆盖在实践中工作的例子. 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, 以及如何省钱的建议, 制定预算, 并计划在NCUA的消费者网站上购买大宗商品, MyCreditUnion.政府.