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How do NCUA and FDIC deposit insurance compare?

Single Account, 1 Owner

Joint Account, Multiple Owners

Retirement Accounts, includes IRAs

  • NCUA.gov

    $250,000 aggregate for Roth, Traditional and Keogh; All IRA coverage is separate and in addition to coverage for other credit union accounts.

  • FDIC.gov

    $250,000 per owner

Revocable Trusts

  • NCUA.gov

    $250,000 per owner per beneficiary up to 5 beneficiaries (Coverdell Education Savings Accounts insured in this category.)

     

  • FDIC.gov

    $250,000 per owner per beneficiary (up to 5 beneficiaries)

     

Corporation, Partnership, and Unincorporated Association Accounts

  • NCUA.gov

    $250,000 per corporation, partnership or unincorporated association

  • FDIC.gov

    $250,000 per corporation, partnership or unincorporated association

Government Accounts