Calculator · 12 CFR Part 745

Credit union share insurance calculator

NCUA insures up to $250,000 per member at each federally insured credit union for each ownership category, so a member with single, joint, retirement and trust accounts at one credit union can be covered for well over $250,000. Enter your balances at one credit union to see what is covered.

An estimate only. NCUA determines coverage from the credit union's account records when a credit union fails. 85 of the 4,299 credit unions filing NCUA call reports are state-chartered and privately insured, and NCUA does not insure their deposits; their pages here say so.

Single accounts (your name only)

Joint accounts (total balance)

Owners on the joint accounts, including you

IRA and retirement accounts

Trust accounts (you as grantor)

Eligible trust beneficiaries

Do not count contingent beneficiaries.

Category	Balance	Insured	Not insured
Single ownership All accounts in your name alone, added together, up to $250,000.	$180,000	$180,000	$0
Joint (2 owners) Each owner's equal share ($300,000) is insured up to $250,000, assuming no owner has other joint accounts at this credit union.	$600,000	$500,000	$100,000
IRA and retirement Self-directed IRAs and similar retirement accounts, up to $250,000 together.	$300,000	$250,000	$50,000
Trust accounts $250,000 per eligible beneficiary, counting up to five (rule effective December 1, 2026). 3 counted.	$900,000	$750,000	$150,000
Total	$1,980,000	$1,680,000	$300,000

In this example, about $300,000 would be above NCUA's coverage at this credit union.

How the estimate works

Single ownership: every account in your name alone at the credit union is added together and insured up to $250,000.
Joint ownership: each co-owner's equal share of all joint accounts at the credit union is insured up to $250,000. The estimate assumes no owner has other joint accounts there.
Retirement: IRAs and other self-directed retirement accounts are added together and insured up to $250,000, separately from everything else.
Trusts: under the rule NCUA adopted in 2024, effective December 1, 2026, a grantor's revocable and irrevocable trust accounts are combined and insured up to $250,000 for each eligible beneficiary, counting no more than five ($1.25 million). Beneficiaries who would inherit only if another beneficiary dies do not count. Sources: NCUA trust rule fact sheet and the final rule in the Federal Register. For trusts before December 1, 2026, use NCUA's share insurance estimator.
Not covered here: business, organization and government accounts, employee benefit plans and other categories. NCUA's estimator handles them.

Coverage is per credit union. Money at two different federally insured credit unions is insured separately at each, but two branches or two names of the same credit union count as one. 4,214 of the credit unions on this site are federally insured; each credit union page says which.

Questions people ask

How much does NCUA insure at a credit union?

The standard maximum is $250,000 per member, per federally insured credit union, for each ownership category: single accounts, joint accounts, retirement accounts and trust accounts are each insured separately. The money is backed by the National Credit Union Share Insurance Fund and the full faith and credit of the United States.

Are joint accounts insured separately from my own accounts?

Yes. Your share of all joint accounts at one credit union is insured up to $250,000, separately from the $250,000 for accounts in your name alone. Joint accounts are split equally among the co-owners unless the account records say otherwise.

How are trust accounts insured?

Under NCUA's rule that takes effect December 1, 2026, revocable and irrevocable trust accounts for the same grantor are combined and insured up to $250,000 per eligible beneficiary, counting at most five, so up to $1.25 million per grantor at each credit union. Until then the older rules apply; NCUA's own estimator handles trusts set up under them.

Based on 12 CFR Part 745. Not legal advice and not affiliated with NCUA. All calculators · Credit unions anyone can join