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Increase Your Deposit Coverage

By adding joints and beneficiaries

Note: It is important to remember that the examination of increased deposit insurance coverage on this page when adding joint owners and beneficiaries is applicable to non-retirement accounts (savings, checking, CD, and money market accounts).

Non-retirement deposit accounts at Avadian are insured by the National Credit Union Administration (NCUA) in one of three ways:

  • Each member has up to $250,000 in combined coverage for all deposit accounts for which they are the sole owner.
  • Each member has up to $250,000 in combined coverage for all deposit accounts for which they are a joint owner.
  • Each beneficiary has up to $250,000 in combined coverage for all the deposit accounts for which they are a named beneficiary.

These coverage limits apply whether the funds are in a single account or spread across multiple deposit accounts for each account ownership type.

It’s also important to remember that Avadian provides additional insurance of up to $250,000 through Excess Share Insurance Corporation, a licensed insurance company. ESI coverage mirrors NCUA coverage, doubling your coverage limits.



The credit union is federally insured by the National Credit Union Administration.
Additional insurance of up to $250,000 on your savings accounts is provided by Excess Share Insurance Corporation, a licensed insurance company.

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