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Deposit Insurance



Deposit Insurance

Deposits with Santa Ana Federal Credit Union are federally insured up to $250,000 through the National Credit Union Administration (NCUA), a U.S. government agency.

  • The maximum $250,000 NCUA insurance covers the balances of your combined individual savings account, money market account, certificate of deposit and checking accounts.
  • Insurance coverage can be expanded through joint ownership. Combined balances in joint accounts receive separate insurance coverage from individual accounts. Insurance covers up to $250,000 per individual on the account. There is a $250,000 maximum coverage available for any member through joint ownership.
  • Individual Retirement Account deposits are insured up to $250,000.
  • Trust Accounts provide a maximum of $250,000 for each beneficiary per trustee. These accounts receive separate insurance coverage from other trustee accounts.
  • Custodial Accounts are insured separately. A minor's custodial account can be insured up to $250,000 for the combined balances.

  • How to Maximize Your Coverage
    Members can maximize their deposit insurance coverage using different account combinations. The chart below illustrates how you can maximize your coverage:

    Visit the NCUA website and learn more about federally-insured deposits.



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         Copyright 2013 Santa Ana Federal Credit Union. 800 West Santa Ana Blvd., Santa Ana, California 92701. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. government agency.