American Express Travelers' Checks

Travelers checks provide safety and peace of mind because, unlike cash, they are refundable if lost or stolen.  Your credit union's travelers checks are accepted virtually anywhere worldwide and are as convenient as cash without the risk.

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NCUA Insurance 

All member share deposits are federally insured up to $100,000 by the National Credit Union Insurance Fund (NCUSIF). In addition, IRA Accounts are insured separately up to $100,000 from other acounts that a member maintains in our credit union. This insurance fund is governed by the National Credit Union Administration, a U.S. Government Agency.

 

 

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Maximum Share Insurance Protection 

The revisions to insured accounts described may dramatically increase your maximum share insurance coverage.  The following examples illustrate how various families can combine accounts with different ownerships to assure maximum insurance protection for their investments.  It is assumed that the identified owners are the actual owners.  In each case, the balances shown are the maximum amounts allowable with all accounts fully insured.

Husband and Wife with Insured Accounts Totaling $600,000
Account Owner	Account Type	Account Balance
Husband	Individual Account	$100,000
Wife	Individual Account	$100,000
Husband and Wife	Joint Account	$200,000
Husband as Trustee for Wife	Revocable Trust Account	$100,000
Wife as Trustee for Husband	Revocable Trust Account	$100,000
Total Amount of Insured Deposits		$600,000
Parent and One Child with Insured Accounts Totaling $600,000
Account Owner	Account Type	Account Balance
Parent	Individual Account	$100,000
Child	Individual Account	$100,000
Parent and Child	Joint Account	$200,000
Parent as Trustee for Child	Revocable Trust Account	$100,000
Child as Trustee for Parent	Revocable Trust Account	$100,000
Total Amount of Insured Deposits		$600,000
Grandparent and Two Children with Insured Accounts Totaling $1,000,000
Account Owner	Account Type	Account Balance
Grandparent	Individual Account	$100,000
Grandchild 1	Individual Account	$100,000
Grandchild 2	Individual Account	$100,000
Grandparent and Grandchild 1	Joint Account	$100,000
Grandparent and Grandchild 2	Joint Account	$100,000
Grandchild 1 and Grandchild 2	Joint Account	$100,000
Grandparent as Trustee for Grandchild 1	Revocable Trust Account	$100,000
Grandparent as Trustee for Grandchild 2	Revocable Trust Account	$100,000
Grandchild 1 as Trustee for Grandchild 2	Revocable Trust Account	$100,000
Grandchild 2 as Trustee for Grandchild 1	Revocable Trust Account	$100,000
Total Amount of Insured Deposits		$1,000,000
Husband, Wife and Two Children with Insured Accounts Totaling $2,000,000
Account Owner	Account Type	Account Balance
Husband	Individual Account	$100,000
Wife	Individual Account	$100,000
Child 1	Individual Account	$100,000
Child 2	Individual Account	$100,000
Husband and Wife	Joint Account	$100,000
Husband and Child 1	Joint Account	$100,000
Wife and Child 2	Joint Account	$100,000
Child 1 and Child 2	Joint Account	$100,000
Husband and Trustee for Wife	Revocable Trust Account	$100,000
Husband as Trustee for Child 1	Revocable Trust Account	$100,000
Husband as Trustee for Child 2	Revocable Trust Account	$100,000
Wife as Trystee for Husband	Revocable Trust Account	$100,000
Wife as Trustee for Child 1	Revocable Trust Account	$100,000
Wife as Trustee for Child 2	Revocable Trust Account	$100,000
Child 1 as Trustee for Father	Revocable Trust Account	$100,000
Child 1 as Trustee for Mother	Revocable Trust Account	$100,000
Child 1 as Trustee for Child 2	Revocable Trust Account	$100,000
Child 2 as Trustee for Father	Revocable Trust Account	$100,000
Child 2 as Trustee for Mother	Revocable Trust Account	$100,000
Child 2 as Trustee for Child 1	Revocable Trust Account	$100,000
Total Amount of Insured Deposits		$2,000,000
Husband, Wife and One Child with Insured Accounts Totaling $1,200,000
Account Owner	Account Type	Account Balance
Husband	Individual Account	$100,000
Wife	Individual Account	$100,000
Child	Individual Account	$100,000
Husband and Wife	Joint Account	$100,000
Husband and Child	Joint Account	$100,000
Wife and Child	Joint Account	$100,000
Husband as Trustee for Wife	Revocable Trust Account	$100,000
Husband as Trustee for Child	Revocable Trust Account	$100,000
Wife as Trustee for Husband	Revocable Trust Account	$100,000
Wife as Trustee for Child	Revocable Trust Account	$100,000
Child as Trustee for Father	Revocable Trust Account	$100,000
Child as Trustee for Mother	Revocable Trust Account	$100,000
Total Amount of Insured Deposits		$1,200,000
Grandparent, Parent and Two Children with Insured Accounts Totalling $1,800,000
Account Owner	Account Type	Account Balance
Grandparent	Individual Account	$100,000
Parent	Individual Account	$100,000
Child 1	Individual Account	$100,000
Child 2	Individual Account	$100,000
Grandparent and Parent	Joint Account	$100,000
Grandparent and Child 1	Joint Account	$100,000
Parent and Child 2	Joint Account	$100,000
Child 1 and Child 2	Joint Account	$100,000
Grandparent as Trustee for Parent	Revocable Trust Account	$100,000
Grandparent as Trustee for Child 1	Revocable Trust Account	$100,000
Grandparent as Trustee for Child 2	Revocable Trust Account	$100,000
Parent as Trustee for Grandparent	Revocable Trust Account	$100,000
Parent as Trustee for Child 1	Revocable Trust Account	$100,000
Parent as Trustee for Child 2	Revocable Trust Account	$100,000
Child 1 as Trustee for Parent	Revocable Trust Account	$100,000
Child 1 as Trustee for Child 2	Revocable Trust Account	$100,000
Child 2 as Trustee for Parent	Revocable Trust Account	$100,000
Child 2 as Trustee for Child 1	Revocable Trust Account	$100,000
Total Amount of Insured Deposits		$1,800,000