Excess Share Insurance

Your money is safe at USPS FCU!

USPS FCU is a federal Credit Union, which means that all money you deposit here is insured up to $250,000 by the National Credit Union Administration (NCUA). The NCUA is a federal agency that charters and supervises federal Credit Unions and insures savings through the National Credit Union Share Insurance Fund (NCUSIF), which is backed by the full faith and credit of the United States government. We also offer our members additional coverage up to $250,000 through Excess Share Insurance Corporation (ESI). This benefit covers up to $250,000, in addition to NCUA coverage, and is provided at no cost to members. If you have any questions regarding the safety of your money at the Credit Union, please stop by or give us a call. An employee will be more than happy to answer your questions and explain your insurance coverage to you. We want you to rest assured that your money is safe with us!

Excess Coverage: The Credit Union Advantage

ESI -Excess Share InsuranceGreat rates and friendly service are just two good reasons to choose USPS FCU as your primary financial institution. We'd like to give you another reason — Excess Share Insurance coverage. A product unique to Credit Unions, Excess Share Insurance provides an additional $250,000 of protection above the federal government's limit of $250,000 — a total of up to $500,000. Even better, the coverage also protects up to an additional $250,000 over the government’s $250,000 limit on IRA accounts — a total up to $500,000!

This added protection is made available through our affiliation with the Excess Share Insurance Corporation (ESI), a licensed property and casualty insurer. ESI's extended coverage offers the convenience of maintaining all of your savings at one financial institution without sacrificing insurance protection.