Tools
Share insurance calculator: is your balance fully covered?
Independent site, not the NCUA, a credit union or a bank. General information, not financial advice.
Enter your balances at one federally insured credit union, by ownership category. The tool shows what is covered and what is above the limit.
How much of my money is federally insured at one credit union?
Above the coverage in these categories
$50,000
| Category | Insured | Over |
|---|---|---|
| Single | $250,000 | $50,000 |
| Joint | $100,000 | $0 |
| Retirement | $50,000 | $0 |
| Revocable trust | $0 | $0 |
An estimate of the common categories, per credit union. Trust coverage has limits and conditions this estimate does not test; the NCUA Share Insurance Estimator is the official tool. Does not apply to a credit union that is not federally insured. Everything you enter stays in this browser: nothing is sent or stored.
Federal share insurance covers $250,000 per share owner, per insured credit union, per ownership category, according to the National Credit Union Administration, and it is backed by the National Credit Union Share Insurance Fund, created in 1970. The word to read is category. A single account, your share of a joint account, a retirement account and a revocable trust are counted separately, so a member can hold more than $250,000 at one credit union with all of it covered. The calculator above adds up the common categories for one member at one credit union. It is a planning aid, not a ruling: the official share insurance estimator and the NCUA are the references, and unusual trusts or business accounts have their own rules. Investments are not insured, even when bought at a credit union branch, and neither are digital assets such as cryptocurrencies.
Joint accounts: how much is covered?
Above the coverage, all owners
$100,000
| Each owner’s share | $300,000 |
| Insured per owner | $250,000 |
Equal shares assumed, with the primary owner a member.
Filings read by Radif Partners · Editorial policy · Method and sources
The categories in the calculator
| Ownership category | Coverage | What to watch |
|---|---|---|
| Single accounts | $250,000 per owner | All accounts in your name alone at one credit union are added together. |
| Joint accounts | $250,000 per co-owner | Your share across all joint accounts at that credit union; the primary owner must be a member. |
| IRA and Keogh | $250,000 | Retirement shares are insured separately from your other accounts. |
| Revocable trust | $250,000 per eligible beneficiary | Subject to limitations; check an unusual trust with the NCUA estimator. |
A worked example
A couple holds $200,000 each in their own names, $300,000 together in a joint savings account, and $150,000 each in IRAs, all at one federally insured credit union. Every single account is under $250,000, so each is covered. Each spouse’s half of the joint account is $150,000, also covered. Each IRA is under the limit. The couple’s $1,000,000 is fully insured without a second institution. If the same couple put the whole amount in one person’s single account, $750,000 of it would be above the limit. The tool applies the same arithmetic to your figures.
What the calculator does not cover
It treats one credit union at a time. If you hold accounts at several, run it once for each, because each federally insured institution has its own limit. It leaves out accounts for businesses, governments, escrow and irrevocable trusts, which have their own rules in the NCUA’s pages. It shows revocable trusts in the simplest form, with named eligible beneficiaries. The NCUA’s own estimator goes further, and any answer that matters at the edge of the limit should come from it or from the credit union, in writing.
The calculator also assumes the credit union is federally insured, and that is not true of all of them: 85 filers in the file of June 30, 2026 are not. Check before relying on any of this, in how to tell if a credit union is NCUA insured. Federal credit unions, and state-chartered ones with federal insurance, must display the official NCUA sign where deposits are normally taken. If you are weighing a bank against a credit union, the limit and the structure are similar, and the FDIC and NCUA comparison sets them side by side.
Nothing you type leaves the page
The calculation runs in your browser. No balance is sent to us or to anyone, nothing is stored, and we do not ask who you are. This is general information about a federal program, not financial or legal advice.