Share Insurance

United Credit Union is a safe place to keep your hard-earned money. Your deposits are backed by the full faith and credit of the United States government.

We’re proud to offer additional insurance for your deposits as an added convenience with no cost to you, just another way United Credit Union gives back to our members. 

NCUA Insurance

We are federally regulated by the National Credit Union Administration (NCUA), an independent agency of the United States government.

The funds on deposit in your United Credit Union savings accounts are specifically insured by the National Credit Union Share Insurance Fund (NCUSIF), an arm of NCUA.

All deposits at United Credit Union are federally insured to $250,000. Your savings, checking, money market and CD accounts are safe from loss regardless of the cause.

In addition, IRA funds are separately insured to $250,000. For more information regarding NCUA Insurance, please click the link below: 

NCUA Share Insurance Estimator

Excess Share Insurance (ESI)

In addition to NCUA deposit insurance, we are happy to offer our members an additional $250,000 of private deposit insurance through Excess Share Insurance (ESI).

United Credit Union is one of the few credit unions in Missouri to offer this supplemental share insurance to our members.