savings insurance

your savings are protected

Your member share savings accounts at KCCU are protected up to $500,000 – the highest level of combined federal/private share savings insurance available.

who protects your funds

The federal government (NCUA) provides $250,000 of protection, and the Excess Share Insurance Corporation (ESI), a licensed property casualty insurer, provides an additional $250,000 for member accounts (business/commercial accounts are not eligible for ESI coverage). Learn more about ESI Share Insurance 

have questions about your coverage?

The NCUA Share Insurance Estimator is available to help you better understand the protection offered by the Nation Credit Union Share Insurance Fund (NCUSIF). This interactive site allows you to input data to compute the amount of NCUSIF coverage available under different account scenarios. Access the Share Insurance Estimator

protection for individual retirement accounts (iras)

Individual Retirement Accounts (IRAs) are insured separately, they are protected up to $500,000 as well. So, by maintaining your non-retirement savings and your IRA at KCCU, you can have a combined savings insurance protection of $1,000,000!

This exceptional coverage is available only to those credit unions meeting ESI’s strict underwriting requirements and high standards of performance. KCCU's approval for the program reaffirms our position as the leading financial institution in your community.