Your non-IRA savings are federally insured to $250,000, IRAs to $250,000, by the NCUSIF, National Credit Union Share Insurance Fund, an arm of the NCUA, National Credit Union Administration, a U.S. government agency. An additional $100,000 of coverage on share certificates and $250,000 IRA certificates is provided through American Share Insurance, a private Credit Union insurer, at no additional direct cost to our members.