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NCUSIF Insurance

Frequently Asked Questions About NCUSIF Insurance

What accounts are insured?
Your Checking, Savings, and Certificate accounts are all insured up to $250,000 each. If you have more than one account, the balances are added together and insured up to $250,000. Certain retirement accounts, such as IRAs and Keogh plans, are insured up to $250,000—that’s separate from the $250,000 coverage on your other Mid Carolina Credit Union accounts.

Are my investment accounts covered by NCUSIF insurance?
No. NCUSIF insurance does not apply to investments, such as stocks, bonds, mutual funds, annuities, and life insurance.

Can I increase the insurance on my accounts?
You may have additional coverage on multiple accounts based on different account ownership. For example, if you have a Checking Account in your name and a joint Savings Account with your spouse, each account is insured up to $250,000 for a total of $500,000 in coverage.

For more information, call 1-803-432-7771 or visit the NCUA website at www.NCUA.gov.




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