At RCU, you can trust that your accounts are safe and secure. Below is some information on your insured funds.

The Emergency Economic Stabilization Act of 2008,
   signed into law on October 3, 2008, increased the
   insurance coverage on all accounts up to $250,000
   through December 31, 2009
Properly established share accounts in federally
   insured credit unions are insured up to $250,000
If a member has more than one account in
   the same credit union, all funds are added together
   and insured up to $250,000
A member can have additional coverage on multiple
   accounts, but only if the accounts have different
   ownership interests or rights in different types of
   accounts
Additional coverage is available on revocable trust or    payable on death accounts
On joint accounts, the co-owner’s interest in all joint
   accounts in the same credit union will be added
   together and insured up to $250,000
Traditional and Roth IRAs are insured separately to
   $250,000 from other accounts that the member
   maintains in the same credit union
However, both Traditional and Roth IRAs are added
   together and insured up to $250,000
For revocable trust accounts, a member can have
   coverage up to $250,000 for each account that has a    different beneficiary named to receive the funds

The charts below show how a typical family may use multiple ownership of accounts to increase the insurance coverage for family funds.

Family of Two

Husband	Individual Account	$250,000
Wife	Individual Account	$250,000
Husband & Wife	Joint Tenancy Accounts	$500,000
Husband as trustee for Wife	Testamentary Revocable Trusts	$250,000
Wife as trustee for Husband	Testamentary Revocable Trusts	$250,000
Total: $1,500,000

Family of Three

Husband	Individual Account	$250,000
Wife	Individual Account	$250,000
Child	Individual Account	$250,000
Husband & Wife	Joint Tenancy Accounts	$250,000
Husband & Child	Joint Tenancy Accounts	$250,000
Wife & Child	Joint Tenancy Accounts	$250,000
Husband as trustee for Wife	Testamentary Revocable Trusts	$250,000
Husband as trustee for Child	Testamentary Revocable Trusts	$250,000
Wife as trustee for Husband	Testamentary Revocable Trusts	$250,000
Wife as trustee for Child	Testamentary Revocable Trusts	$250,000
Total: $2,500,000

Family of Four

Husband	Individual Account	$250,000
Wife	Individual Account	$250,000
Child 1	Individual Account	$250,000
Child 2	Individual Account	$250,000
Husband & Wife	Joint Tenancy Accounts	$250,000
Husband & Child 1	Joint Tenancy Accounts	$250,000
Wife & Child 2	Joint Tenancy Accounts	$250,000
Child 1 & Child 2	Joint Tenancy Accounts	$250,000
Husband as trustee for Wife	Testamentary Revocable Trusts	$250,000
Husband as trustee for Child 1	Testamentary Revocable Trusts	$250,000
Husband as trustee for Child 2	Testamentary Revocable Trusts	$250,000
Wife as trustee for Husband	Testamentary Revocable Trusts	$250,000
Wife as trustee for Child 1	Testamentary Revocable Trusts	$250,000
Wife as trustee for Child 2	Testamentary Revocable Trusts	$250,000
Total: $3,500,000