Your Money Is Safe: Understanding NCUA Insurance at Front Royal FCU

When it comes to where you keep your hard-earned money, peace of mind matters. That’s why at Front Royal Federal Credit Union, your deposits are protected by something powerful — NCUA insurance.

What Is the NCUA?

The National Credit Union Administration (NCUA) is an independent federal agency that was created by Congress in 1970 to regulate and insure federal credit unions. Think of it as the credit union version of the FDIC (which covers banks). Through the NCUA’s Share Insurance Fund, your money is federally insured — up to at least $250,000 per individual depositor, per ownership category.

What Does That Mean for You?

It means you can breathe easy. Your savings, checking, money market, and certificate accounts are protected. Even in the rare event something were to happen to Front Royal FCU, your money is safe and backed by the full faith and credit of the United States government.

Here’s a simple way to look at it:

• Have $5,000 in checking? Covered.
• $10,000 in savings? Covered.
• A $50,000 certificate? Also covered.

The coverage even expands if you have joint accounts, retirement accounts, or trusts — giving you even more protection.

Use the NCUA Insurance Estimator

Want to see exactly how much of your money is covered? The NCUA has a simple online calculator that can walk you through it in just a few minutes. It’s a great way to understand how your accounts are protected — especially if you have more than one type of account.

Try the NCUA Share Insurance Estimator

Why This Matters

At Front Royal FCU, your financial security is our top priority. We’re more than just a place to bank — we’re your credit union. Backed by the NCUA, we’re proud to offer not only personalized service and better rates, but also rock-solid protection for your money.

Have questions about your account coverage? Stop by a branch or give us a call — we’re here to help.

Posted by Amanda Thomas in Financial Wellness.