NCUA Insurance

As a Bellco customer, the money you have at Bellco is backed by the full faith and credit of the U.S. government. It is insured by the National Credit Union Administration (NCUA) through the National Credit Union Share Insurance Fund (NCUSIF).


The temporary full insurance coverage of “noninterest-bearing transaction accounts” expired on December 31, 2012. After December 31, 2012, funds in noninterest-bearing transaction accounts have been insured under NCUA’s general share insurance rules, subject to the Standard Maximum Share Insurance Amount of $250,000.

For more information about NCUA insurance coverage of transaction accounts, visit the NCUA site.

What is the NCUSIF insurance amount?

The basic insurance amount is $250,000 per individual account holder, per federally insured credit union. This includes principal and posted dividends up to a total of $250,000. Joint account holders are insured up to $250,000 per joint account holder, per federally insured credit union. For example, an account with two joint account holders is insured for $500,000 separately from the holders' individual accounts. This includes principal and posted dividends. IRA and KEOGH accounts are insured, separate from other accounts, up to $250,000 per institution, including principal and posted dividends.

For more information on NCUA insurance, please review the NCUA Share Insurance FAQs.

The NCUA has prepared an Insurance Toolkit that provides publications and information for consumers regarding NCUA Share Insurance.  Access the toolkit at