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How Your Accounts Are Insured
The shares in your credit union are insured by the National Credit Union Share Insurance Fund (NCUSIF), an arm of the NCUA. The NCUSIF provides all members of federally insured credit unions with $250,000 in coverage for their individual accounts. Several options are available for additional coverage including $250,000 in aggregate for traditional and Roth IRAs. In addition, joint accounts, trust accounts, revocable trusts, and irrevocable trusts may also qualify for separate NCUSIF coverage. Click on the links to additional resources below for more information.
Resources:
The NCUA Share Insurance Estimator is an educational resource about share insurance and gives a detailed explanation of insurance coverage.
The NCUA brochure “How Your Accounts Are Insured” is available online in English and Spanish and will provide you a more detailed explanation of your insurance coverage.
Media Release From the NCUA Chairman, Joann Johnson
“Federal Insurance Protection Strong At Mid-Year”
NCUA Website
Savings
If you are looking for a savings program to earn competitive dividends, United VIP Credit Union offers a wide array of Savings Accounts. Plus, you can feel safe and secure knowing your Savings Accounts are insured to $250,000 by the National Credit Union Administration (NCUA). IRA Accounts are insured to $250,000 by the National Credit Union Administration. We offer the following Savings Accounts to our members:
- Regular Savings Accounts
- Money Market Certificates
- VIP Special Savings Accounts
- Individual Retirement Accounts
- Christmas Club Accounts
- Special Accounts For Any Purpose
Checking
Experience the difference of a credit union Checking Account. Our account features:
- No per check fees
- Overdraft Protection available
- Carbonless copies of each check
- No monthly fees unless your balance falls below our low $300 minimum balance requirement
Loans
The credit union offers many flexible lending programs that feature competitive interest rates and affordable repayment terms. Take a look at the different loans we offer for any worthwhile need:
- New/Used Auto Loans
- Vacation Loans
- Boat/RV Loans
- Home Equity Line-of-Credit Loans (variable rate)
- Fixed-Rate Home Equity Loans
- Many Others
VISA
United VIP Credit Union offers a low-interest VISA program which features these great perks:
- Low 11.9% APR fixed rate interest
- No annual fee
- A 25-day grace period on purchases
- Worldwide acceptance
- Cash advance convenience
Click here to view VISA Card Disclosure
DEBIT/ATM CARDS
Complete any credit union transaction 24 hours a day, seven days a week with ATM service. If you have a Checking Account, you may access your account at your discretion. The following transactions may be completed through this service:
Other Products At United VIP Credit Union
- First Mortgages - just click on the Mortgage Center icon above
- Notary Service
- Financial Counseling
- Money Orders
- Vehicle Price Information
- AAA Auto Insurance Group Discounts
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