{"id":2347,"date":"2023-08-14T18:12:40","date_gmt":"2023-08-15T01:12:40","guid":{"rendered":"https:\/\/www.soundcu.com\/personal\/insurance\/share\/"},"modified":"2025-11-20T07:26:02","modified_gmt":"2025-11-20T15:26:02","slug":"share","status":"publish","type":"page","link":"https:\/\/www.soundcu.com\/personal\/insurance\/share\/","title":{"rendered":"Share Insurance"},"content":{"rendered":"<div class=\"co-flex_row co-flex_row__blue co-flex_row__next_row_diff co-flex_row__page-hero co-flex_row__next_row__product-comparison\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<header class=\"co-page_hero  co-page_hero__has_image\" aria-label=\"Header: NCUA vs FDIC \">\n\t\t<div class=\"co-page_hero--inner\">\n\t\t\t<div class=\"prow items-center\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-page_hero--img_wrap pcol-lg:6 pcol-xl:7 \">\n\t\t\t\t\t\t<div class=\"co-page_hero--mask\"><svg width=\"997.021\" height=\"609.682\" viewBox=\"0 0 997.021 609.682\"><defs><clipPath id=\"svgPathHero\"><path d=\"M299.014.148H0V609.681H299.014c480.632.192,698.007-296.752,698.007-296.752C691.761-16.846,299.014.148,299.014.148\"\/><\/clipPath><\/defs><image id=\"image_698943441fb51\" xlink:href=\"https:\/\/www.soundcu.com\/files\/iStock-1493266293_997x610.jpg\" src=\"https:\/\/www.soundcu.com\/files\/iStock-1493266293_997x610.jpg\" clip-path=\"url(#svgPathHero)\"  alt=\"Portrait of a mid adult woman in the library\" \/><\/svg><\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"co-page_hero--text pcol-lg:6 pcol-xl:5 \">\n\t\t\t\t\t\t\t\t\t\t\t<h1 class=\"co-page_hero--sup_heading\">\n\t\t\t\t\t\t\tShare Insurance \t\t\t\t\t\t<\/h1>\n\t\t\t\t\t\t\t\t\t\t<h2 class=\"co-page_hero--title\" >NCUA vs FDIC <\/h2>\t\t\t\t\t<p class=\"co-page_hero--tagline\">How does NCUA and FDIC deposit insurance compare?<\/p>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/header>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__next_row_diff co-flex_row__product-comparison co-flex_row__next_row__single-path-cta\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t  <section class=\"co-comp_table_outer_wrap js-comp_table\">\n    \t\t<header class=\"co-intro_text\">\n\t\t\t<div class=\"co-intro_text--intro\"><p>Single, Joint and Retirement Account Comparison<\/p>\n<\/div>\t\t<\/header>\n\t    <div class=\"co-comp_table_wrap\">\n              <div class=\"co-comp_table co-comp_table__key_0\">\n          <div class=\"co-comp_item\">\n            <div class=\"co-comp_item--title js-comp_table_title\">\n                          <\/div>\n                        <ul class=\"co-comp_item--list js-comp_table_list\">\n                              <li class=\"co-comp_item--item js-comp_table_cell\">\n                                    <div class=\"co-comp_item--name\">\n                    <p><a href=\"https:\/\/www.ncua.gov\/\" rel=\"noopener\">NCUA.gov<\/a><\/p>                  <\/div>\n                  <div class=\"co-comp_item--value\">\n                    <p><a href=\"https:\/\/www.ncua.gov\/\" rel=\"noopener\">NCUA.gov<\/a><\/p>                  <\/div>\n                <\/li>\n                              <li class=\"co-comp_item--item js-comp_table_cell co-comp_item--item__last\">\n                                    <div class=\"co-comp_item--name\">\n                    <p><a href=\"https:\/\/www.fdic.gov\/\" rel=\"noopener\">FDIC.gov<\/a><\/p>                  <\/div>\n                  <div class=\"co-comp_item--value\">\n                    <p><a href=\"https:\/\/www.fdic.gov\/\" rel=\"noopener\">FDIC.gov<\/a><\/p>                  <\/div>\n                <\/li>\n                          <\/ul>\n          <\/div>\n        <\/div>\n              <div class=\"co-comp_table co-comp_table__key_1\">\n          <div class=\"co-comp_item\">\n            <div class=\"co-comp_item--title js-comp_table_title\">\n              <p>Single Account, 1 Owner<\/p>            <\/div>\n                        <ul class=\"co-comp_item--list js-comp_table_list\">\n                              <li class=\"co-comp_item--item js-comp_table_cell\">\n                                    <div class=\"co-comp_item--name\">\n                    <p><a href=\"https:\/\/www.ncua.gov\/\" rel=\"noopener\">NCUA.gov<\/a><\/p>                  <\/div>\n                  <div class=\"co-comp_item--value\">\n                    <p>$250,000 per owner<\/p>                  <\/div>\n                <\/li>\n                              <li class=\"co-comp_item--item js-comp_table_cell co-comp_item--item__last\">\n                                    <div class=\"co-comp_item--name\">\n                    <p><a href=\"https:\/\/www.fdic.gov\/\" rel=\"noopener\">FDIC.gov<\/a><\/p>                  <\/div>\n                  <div class=\"co-comp_item--value\">\n                    <p>$250,000 per owner<\/p>                  <\/div>\n                <\/li>\n                          <\/ul>\n          <\/div>\n        <\/div>\n              <div class=\"co-comp_table co-comp_table__key_2\">\n          <div class=\"co-comp_item\">\n            <div class=\"co-comp_item--title js-comp_table_title\">\n              <p>Joint Account, Multiple Owners<\/p>            <\/div>\n                        <ul class=\"co-comp_item--list js-comp_table_list\">\n                              <li class=\"co-comp_item--item js-comp_table_cell\">\n                                    <div class=\"co-comp_item--name\">\n                    <p><a href=\"https:\/\/www.ncua.gov\/\" rel=\"noopener\">NCUA.gov<\/a><\/p>                  <\/div>\n                  <div class=\"co-comp_item--value\">\n                    <p>$250,000 per owner<\/p>                  <\/div>\n                <\/li>\n                              <li class=\"co-comp_item--item js-comp_table_cell co-comp_item--item__last\">\n                                    <div class=\"co-comp_item--name\">\n                    <p><a href=\"https:\/\/www.fdic.gov\/\" rel=\"noopener\">FDIC.gov<\/a><\/p>                  <\/div>\n                  <div class=\"co-comp_item--value\">\n                    <p>$250,000 per owner<\/p>                  <\/div>\n                <\/li>\n                          <\/ul>\n          <\/div>\n        <\/div>\n              <div class=\"co-comp_table co-comp_table__key_3\">\n          <div class=\"co-comp_item\">\n            <div class=\"co-comp_item--title js-comp_table_title\">\n              <p>Retirement Accounts, includes IRAs<\/p>            <\/div>\n                        <ul class=\"co-comp_item--list js-comp_table_list\">\n                              <li class=\"co-comp_item--item js-comp_table_cell\">\n                                    <div class=\"co-comp_item--name\">\n                    <p><a href=\"https:\/\/www.ncua.gov\/\" rel=\"noopener\">NCUA.gov<\/a><\/p>                  <\/div>\n                  <div class=\"co-comp_item--value\">\n                    <p>$250,000 aggregate for Roth, Traditional and Keogh; All IRA coverage is separate in addition to coverage for other credit union accounts.&nbsp;<\/p>                  <\/div>\n                <\/li>\n                              <li class=\"co-comp_item--item js-comp_table_cell co-comp_item--item__last\">\n                                    <div class=\"co-comp_item--name\">\n                    <p><a href=\"https:\/\/www.fdic.gov\/\" rel=\"noopener\">FDIC.gov<\/a><\/p>                  <\/div>\n                  <div class=\"co-comp_item--value\">\n                    <p>$250,000 per owner<\/p>                  <\/div>\n                <\/li>\n                          <\/ul>\n          <\/div>\n        <\/div>\n          <\/div>\n      <\/section>\n  \n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__blue co-flex_row__next_row_diff co-flex_row__single-path-cta co-flex_row__next_row__product-comparison\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<svg class=\"co-sp_cta__svg\" width=\"488.512\" height=\"338.101\" viewBox=\"0 0 488.512 338.101\">\n\t\t\t<path class=\"co-sp_cta__svg--path_big\" d=\"M488.512,163.324C337.738,308.387,172.875,346.284,6.386,332.445c-12.895-1.072-2.726.507,0-169.121C7.666,83.681-1.682,4.826,3.448,4.309,177.337-13.221,346.255,19.454,488.512,163.324Z\"\/>\n\t\t\t<path class=\"co-sp_cta__svg--path_small\" d=\"M408.431,63.648c-126.358,121.572-278.108,50-408.431,0C129.644,19.327,291.966-54.138,408.431,63.648Z\" transform=\"translate(0 207.52)\" fill=\"#efc025\"\/>\n\t<\/svg>\n\t<div class=\"co-sp_cta\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Share Insurance Estimator<\/h2><div class=\"co-intro_text--intro\"><p>Use NCUA&#8217;s online Share Insurance Estimator to determine how the share insurance rules apply to your member accounts-what&#8217;s insured and what portion (if any) exceeds coverage limits.<\/p>\n<\/div>\t\t<\/header>\n\t<a class=\"co-sp_cta--button gtm-button\" href=\"https:\/\/www.soundcu.com\/speed-bump\/?url=https%3A%2F%2Fmycreditunion.gov%2Fshare-insurance-estimator-home&#038;prev=https%3A%2F%2Fwww.soundcu.com%2Fpersonal%2Finsurance%2Fshare%2F\">Learn More<\/a>\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__next_row_diff co-flex_row__product-comparison co-flex_row__next_row__faqs\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t  <section class=\"co-comp_table_outer_wrap js-comp_table\">\n    \t\t<header class=\"co-intro_text\">\n\t\t\t<div class=\"co-intro_text--intro\"><p>Revocable Trusts, Business and Government Account Comparison<\/p>\n<\/div>\t\t<\/header>\n\t    <div class=\"co-comp_table_wrap\">\n              <div class=\"co-comp_table co-comp_table__key_0\">\n          <div class=\"co-comp_item\">\n            <div class=\"co-comp_item--title js-comp_table_title\">\n                          <\/div>\n                        <ul class=\"co-comp_item--list js-comp_table_list\">\n                              <li class=\"co-comp_item--item js-comp_table_cell\">\n                                    <div class=\"co-comp_item--name\">\n                    <p><a href=\"https:\/\/www.ncua.gov\/\" rel=\"noopener\">NCUA.gov<\/a><\/p>                  <\/div>\n                  <div class=\"co-comp_item--value\">\n                    <p><a href=\"https:\/\/www.ncua.gov\/\" rel=\"noopener\">NCUA.gov<\/a><\/p>                  <\/div>\n                <\/li>\n                              <li class=\"co-comp_item--item js-comp_table_cell co-comp_item--item__last\">\n                                    <div class=\"co-comp_item--name\">\n                    <p><a href=\"https:\/\/www.fdic.gov\/\" rel=\"noopener\">FDIC.gov<\/a><\/p>                  <\/div>\n                  <div class=\"co-comp_item--value\">\n                    <p><a href=\"https:\/\/www.fdic.gov\/\" rel=\"noopener\">FDIC.gov<\/a><\/p>                  <\/div>\n                <\/li>\n                          <\/ul>\n          <\/div>\n        <\/div>\n              <div class=\"co-comp_table co-comp_table__key_1\">\n          <div class=\"co-comp_item\">\n            <div class=\"co-comp_item--title js-comp_table_title\">\n              <p>Revocable Trusts<\/p>            <\/div>\n                        <ul class=\"co-comp_item--list js-comp_table_list\">\n                              <li class=\"co-comp_item--item js-comp_table_cell\">\n                                    <div class=\"co-comp_item--name\">\n                    <p><a href=\"https:\/\/www.ncua.gov\/\" rel=\"noopener\">NCUA.gov<\/a><\/p>                  <\/div>\n                  <div class=\"co-comp_item--value\">\n                    <p>$250,000 per owner per beneficiary up to 5 beneficiaries (Coverdell Education Savings Accounts insured in this category)<\/p>                  <\/div>\n                <\/li>\n                              <li class=\"co-comp_item--item js-comp_table_cell co-comp_item--item__last\">\n                                    <div class=\"co-comp_item--name\">\n                    <p><a href=\"https:\/\/www.fdic.gov\/\" rel=\"noopener\">FDIC.gov<\/a><\/p>                  <\/div>\n                  <div class=\"co-comp_item--value\">\n                    <p>$250,000 per owner per beneficiary (up to 5 beneficiaries)&nbsp;<\/p>                  <\/div>\n                <\/li>\n                          <\/ul>\n          <\/div>\n        <\/div>\n              <div class=\"co-comp_table co-comp_table__key_2\">\n          <div class=\"co-comp_item\">\n            <div class=\"co-comp_item--title js-comp_table_title\">\n              <p>Corporation, Partnership, and Unincorporated Association Accounts<\/p>            <\/div>\n                        <ul class=\"co-comp_item--list js-comp_table_list\">\n                              <li class=\"co-comp_item--item js-comp_table_cell\">\n                                    <div class=\"co-comp_item--name\">\n                    <p><a href=\"https:\/\/www.ncua.gov\/\" rel=\"noopener\">NCUA.gov<\/a><\/p>                  <\/div>\n                  <div class=\"co-comp_item--value\">\n                    <p>$250,000 per corporation, partnership or unincorporated association<\/p>                  <\/div>\n                <\/li>\n                              <li class=\"co-comp_item--item js-comp_table_cell co-comp_item--item__last\">\n                                    <div class=\"co-comp_item--name\">\n                    <p><a href=\"https:\/\/www.fdic.gov\/\" rel=\"noopener\">FDIC.gov<\/a><\/p>                  <\/div>\n                  <div class=\"co-comp_item--value\">\n                    <p>$250,000 per corporation, partnership or unincorporated association<\/p>                  <\/div>\n                <\/li>\n                          <\/ul>\n          <\/div>\n        <\/div>\n              <div class=\"co-comp_table co-comp_table__key_3\">\n          <div class=\"co-comp_item\">\n            <div class=\"co-comp_item--title js-comp_table_title\">\n              <p>Government Accounts<\/p>            <\/div>\n                        <ul class=\"co-comp_item--list js-comp_table_list\">\n                              <li class=\"co-comp_item--item js-comp_table_cell\">\n                                    <div class=\"co-comp_item--name\">\n                    <p><a href=\"https:\/\/www.ncua.gov\/\" rel=\"noopener\">NCUA.gov<\/a><\/p>                  <\/div>\n                  <div class=\"co-comp_item--value\">\n                    <p>$250,000 per official custodian<\/p>                  <\/div>\n                <\/li>\n                              <li class=\"co-comp_item--item js-comp_table_cell co-comp_item--item__last\">\n                                    <div class=\"co-comp_item--name\">\n                    <p><a href=\"https:\/\/www.fdic.gov\/\" rel=\"noopener\">FDIC.gov<\/a><\/p>                  <\/div>\n                  <div class=\"co-comp_item--value\">\n                    <p>$250,000 per official custodian<\/p>                  <\/div>\n                <\/li>\n                          <\/ul>\n          <\/div>\n        <\/div>\n          <\/div>\n      <\/section>\n  \n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__blue co-flex_row__last co-flex_row__faqs\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<section class=\"co-accords_section\" aria-label=\"More information about Share Accounts\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">More information about Share Accounts<\/h2>\t\t<\/header>\n\t\t\t<div class=\"co-accordion\" data-animation=\"on\" data-multi-items=\"on\">\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"8738\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-accordion--header\n\t\t\t\t\t\t\tjs-accord_toggle\n\t\t\t\t\t\t\tclosed\n\t\t\t\t\t\t\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<span class=\"text-md\">How much are my accounts insured for?<\/span>\n\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"\n\t\t\t\t\t\tco-accordion--panel\n\t\t\t\t\t\tjs-accord_content\n\t\t\t\t\t\">\n\t\t\t\t\t\t<p>Sound savings, money market, checking, IRA and <a href=\"https:\/\/www.soundcu.com\/personal\/certificates\/\">certificate<\/a> accounts are insured by the National Credit Union Administration (NCUA) up to $250,000. Additional coverage may be available based on account structure and number of owners on accounts. For more information, visit the <a href=\"https:\/\/ncua.gov\/support-services\/share-insurance-fund\" target=\"_blank\" rel=\"noopener\">NCUA website<\/a> and this <a href=\"https:\/\/mycreditunion.gov\/insurance-estimator\" target=\"_blank\" rel=\"noopener\">share insurance estimator tool<\/a>.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"3057\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-accordion--header\n\t\t\t\t\t\t\tjs-accord_toggle\n\t\t\t\t\t\t\tclosed\n\t\t\t\t\t\t\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<span class=\"text-md\">What accounts can be used for a share or certificate secured loan?<\/span>\n\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"\n\t\t\t\t\t\tco-accordion--panel\n\t\t\t\t\t\tjs-accord_content\n\t\t\t\t\t\">\n\t\t\t\t\t\t<p>Only a Savings or Certificate account can be used for a share or certificate Secured loan. IRA, Checking, and Money Market accounts cannot be used.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"7760\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-accordion--header\n\t\t\t\t\t\t\tjs-accord_toggle\n\t\t\t\t\t\t\tclosed\n\t\t\t\t\t\t\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<span class=\"text-md\">How does a Share Certificate Account differ from a regular savings account?<\/span>\n\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"\n\t\t\t\t\t\tco-accordion--panel\n\t\t\t\t\t\tjs-accord_content\n\t\t\t\t\t\">\n\t\t\t\t\t\t<p>Unlike a regular savings account, a share certificate typically offers a higher interest rate in exchange for locking in your money for a fixed term.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\t<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":9,"featured_media":0,"parent":2346,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"content-type":"","_searchwp_excluded":"","footnotes":""},"county":[],"class_list":["post-2347","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/pages\/2347","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/comments?post=2347"}],"version-history":[{"count":2,"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/pages\/2347\/revisions"}],"predecessor-version":[{"id":17638,"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/pages\/2347\/revisions\/17638"}],"up":[{"embeddable":true,"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/pages\/2346"}],"wp:attachment":[{"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/media?parent=2347"}],"wp:term":[{"taxonomy":"county","embeddable":true,"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/county?post=2347"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}