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Your Funds are Federally Insured

LBS Financial Credit Union invests in federal share insurance through the National Credit Union Administration to make sure that your money is protected.


Through the NCUA, we’re required to follow safety and capitalization guidelines to protect your money. No credit union that participates in the National Credit Union Share Insurance Fund (NCUSIF) has ever lost a dollar of any member’s insured savings.

Share Savings, Share Draft/Checking and Share Certificate accounts are insured to at least $250,000 per depositor. Joint accounts are also insured separately, to at least $500,000. If you have a joint account it is insured to at least $500,000, and if you have an additional individual account it is insured up to at least $250,000, meaning that altogether you have $750,000 in coverage.

We also have our Money Market and share accounts insured. You can get living trusts or payable on death (P.O.D.) accounts insured to at least $250,000, depending on the number of qualifying beneficiaries. Our Individual Retirement Accounts (IRAs) and Keogh accounts are insured separately, giving you an additional $250,000 in coverage for those accounts.

Share insurance doesn’t cover investment products such as mutual funds, stocks and annuities. Find more information about NCUSIF insurance on the National Credit Union Association website. You can use the NCUA Share Insurance Estimator to better understand your share insurance protection. If you have any questions about your insurance, please call us at 800.527.3328. We’d love to help you understand how we help protect your savings.