Share Insurance

Protecting your savings with the highest level of security available is one of our major objectives. That is why we combine your federal deposit insurance (NCUA) coverage with excess deposit insurance protection from Excess Share Insurance (ESI), a subsidiary of American Share Insurance, the nation's largest private deposit insurer.

Effective October 3, 2008 - December 31, 2009
NCUA INSURANCE RAISED to $250,000
Your MONEY is SAFE at BAY AREA Credit Union
Bay Area CU is Federally Insured by NCUA, National Credit Union Assosiation. NCUA, like the FDIC is backed with the full faith and credit of the U.S. government.Traditional and Roth IRA's are insured up to $250,000 by NCUA. The basic NCUA insurance amount per individual account holder has been raised to $250,000. Click here for FAQ's regarding this change.
In addition to federal insurance, Bay Area also provides an additional $250,000 coverage through private insurance by Excess Share Insurance (ESI) Corporation.
For information on Excess Share Insurance, click here.
How Your Accounts Are Federally Insured Brochure pdf
NCUA Your Insured Funds Booklet pdf

Estimate the amount of your federal share insurance.