Your Money, Insured

Affinity Plus is federally insured by the NCUA, and your deposits with us are insured to at least $250,000.

Like at a traditional bank, your deposits with Affinity Plus federal Credit Union accounts are federally insured up to $250,000 per member-owner. The main difference is just who insures them. At Affinity Plus, they are covered by the National Credit Union Administration (NCUA) and this coverage is called share insurance.

If you have accounts at other credit unions outside of Affinity Plus, you have coverage up to the full insurable amount in each of the credit unions.

Covered Accounts

All types of share accounts and deposits received by Affinity Plus are insured, including the following:

  • Certificates
  • Checking
  • IRAs (Roth and Traditional)
  • Money Markets
  • Savings
  • Trust Accounts

Accounts NOT Covered

Mutual funds, stocks, bonds and life insurance policies ARE NOT covered by the NCUA.

Examples of Coverage

The type of account ownership matters, too. And you could actually qualify for more than $250,000 if you have share accounts in different categories of ownership.

Account Ownership TypeExample AccountLess than $250kGreater than $250kNotes
IndividualSavings, Checking or Money Market
Self Only
CoveredUp to $250k coveredTotal amount in combined accounts.
JointSavings, Checking or Money Market
Multiple Owners
CoveredUp to $250k covered per ownerAmount per owner's interest in joint accounts.
TrustFormal or Informal Revocable TrustsCoveredUp to $250k covered per beneficiaryAmount per beneficiary, for each owner.
RetirementTraditional or Roth IRA, or Keogh PlanCoveredUp to $250k coveredAmount in trad. & Roth IRA accts added together.
Beneficiaries do not change coverage amount.


Want More Info?


The National Credit Union Administration is an independent agency of the U.S. Government that regulates, charters and insures the nation’s federal credit unions. It’s similar to how the FDIC (Federal Deposit Insurance Corporation) insures and regulates traditional banks.

Learn more about the NCUA

Share Insurance Overview

This PDF provided by the NCUA provides an overview of share insurance coverage.

PDF: Share Insurance Coverage Overview

Coverage Calculator

Use the Share Insurance Estimator on to calculate how much coverage your Affinity Plus accounts qualify for.

Estimate your coverage