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Checking

Type APY as high as
Primary .15%
Rates subject to change
APY=Annual Percentage Yield
Rates Effective March 01, 2017
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Savings

Type APY as high as
Savings 1.00%
Rates subject to change
APY=Annual Percentage Yield
Rates Effective March 01, 2017
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Visa® Credit Card

Type APR
Platinum 9.24% - 15.24%
Rates subject to change
APR=Annual Percentage Rate
Rates Effective January 01, 2017
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P.O. Box 619001 MD 2100, HDQ
DFW Airport, TX 75261-9001
(800) 533-0035
(817) 952-4500 | Outside USA, Canada, Puerto Rico, & U.S. Virgin Islands
ABA / Routing # 311992904

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Share Insurance

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Share Insurance

Credit unions' federal insurance fund - the National Credit Union Share Insurance Fund (NCUSIF) - receives top marks from deposit insurance experts as the healthiest of the federal institution insurance funds. NCUSIF, which the National Credit Union Administration (NCUA) administers, insures most accounts up to the $250.000 federal limit.

Nearly 97% of all credit unions in the U.S. participate in NCUSIF by depositing an amount equal to 1% of insured savings. NCUSIF invests those funds and uses the earnings to pay its operating expenses and to absorb losses from failed credit unions.

If the fund needs more money, the NCUA Board can charge credit unions an additional premium. Because credit unions are stable they've only needed to pay one premium since 1985. If the 1% deposit and its earnings aren't enough to cover losses, credit unions must replenish the deposit to at least the 1% level. That's never happened. NCUSIF consistently exceeds the target for all deposit insurance funds of $1.30 per $100 of insured deposits. In fact, if the NCUSIF produces more earnings than it needs to pay operating expenses and insurance losses, credit unions receive a dividend on their deposit.

  • Click here to access the Share Insurance Estimator.

NCUSIF is healthy because the credit unions it insures are so healthy.

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