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Insured Funds

Your Money is SAFE with First Credit Union

Given the recent economic turmoil within the banking industry, we know that many of our members are rightly concerned about the safety of their money. Rest assured that as a member of First Credit Union, you are protected against losses.

Your deposits are federally insured to at least $250,000 and backed by the full faith and credit of the United States government by the National Credit Union Administration (NCUA), a US Government Agency.

As a member-owned, non-profit cooperative, First Credit Union is a responsible lender. We do not force loans on our members to make a quick buck. For this reason, we have avoided the subprime lending mess many banks and other lenders are facing today.

NCUA insurance is THE safest of all the insurance funds
We are a member owned, not-for-profit cooperative. We exist to serve our members, not profit from them
We've been locally owned and operated here in Arizona for 79 years and we have plans & efforts in place to be here for many more!

Your money is SAFE with First Credit Union

What is the NCUA?

The National Credit Union Administration is the federal government agency that charters and manages credit unions. The NCUA operates the National Credit Union Share Insurance Fund (NCUSIF). The NCUSIF insures member accounts in federal and state-charted credit unions. First Credit Union is federally insured by the NCUA. This means that members can confidently conduct business with us.

NCUSIF Insurance

The NCUSIF provides all members of federally insured credit unions with $250,000 in coverage for their individual accounts. These accounts include regular shares, share drafts (checking), money market accounts and share certificates. Individuals with account balances of $250,000 or less at the same credit union have full NCUSIF coverage. For individuals with account balances of $250,000 or more at a single credit union, several options are available for additional coverage. Also, the NCUSIF provides additional coverage for other types of accounts. There is also separate insurance coverage of up to $250,000 for individual retirement accounts.

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