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Routing Number: 291880411

 

 

 

 

 

 

 

 

At RCU, you can trust that your accounts are safe and secure. Below is some information on your insured funds.

The Emergency Economic Stabilization Act of 2008, signed into law on October 3, 2008, increased the insurance coverage on all accounts
up to $250,000

Properly established share accounts in federally insured credit unions are insured up to $250,000

If a member has more than one account in the same credit union, all funds are added together and insured up to $250,000

A member can have additional coverage on multiple accounts, but only
if the accounts have different ownership interests or rights in different types of accounts

Additional coverage is available on revocable trust or payable on
death accounts

On joint accounts, the co-owner's interest in all joint accounts in the same credit union will be added together and insured up to $250,000

Traditional and Roth IRAs are insured separately to $250,000 from other accounts that the member maintains in the same credit union

However, both Traditional and Roth IRAs are added together and insured up to $250,000

For revocable trust accounts, a member can have coverage up to $250,000 for each account that has a different beneficiary named to receive the funds

The charts below show how a typical family may use multiple ownership of accounts to increase the insurance coverage for family funds.

Family of Two*

Husband

Individual Account

$250,000

Wife

Individual Account

$250,000

Husband & Wife

Joint Tenancy Accounts

$500,000

Husband as trustee for Wife

Testamentary Revocable Trusts

$250,000

Wife as trustee for Husband

Testamentary Revocable Trusts

$250,000

Total: $1,500,000

Family of Three*

Husband

Individual Account

$250,000

Wife

Individual Account

$250,000

Child

Individual Account

$250,000

Husband & Wife

Joint Tenancy Accounts

$250,000

Husband & Child

Joint Tenancy Accounts

$250,000

Wife& Child

Joint Tenancy Accounts

$250,000

Husband as trustee for Wife

Testamentary Revocable Trusts

$250,000

Husband as trustee for Child

Testamentary Revocable Trusts

$250,000

Wife as trustee for Husband

Testamentary Revocable Trusts

$250,000

Wife as trustee for Child

Testamentary Revocable Trusts

$250,000

Total: $2,500,000

Family of Four*

Husband

Individual Account

$250,000

Wife

Individual Account

$250,000

Child 1

Individual Account

$250,000

Child 2

Individual Account

$250,000

Husband & Wife

Joint Tenancy Accounts

$250,000

Husband & Child 1

Joint Tenancy Accounts

$250,000

Wife & Child 2

Joint Tenancy Accounts

$250,000

Child 1 & Child 2

Joint Tenancy Accounts

$250,000

Husband as trustee for Wife

Testamentary Revocable Trusts

$250,000

Husband as trustee for Child 1

Testamentary Revocable Trusts

$250,000

Husband as trustee for Child 2

Testamentary Revocable Trusts

$250,000

Wife as trustee for Husband

Testamentary Revocable Trusts

$250,000

Wife as trustee for Child 1

Testamentary Revocable Trusts

$250,000

Wife as trustee for Child 2

Testamentary Revocable Trusts

$250,000

Total: $3,500,000

*Insurability of accounts and products can vary by situation. A useful tool to determine your eligibility can be found on the NCUA website, by accessing the Share Insurance estimator. Estimate your insurance.

Investments & Savings

Calculators

Individual Retirement Accounts (IRA)

Money Market Accounts

RCU Investment & Insurance Team

Certificates

Savings Accounts

Health Savings Accounts (HSA)

Kid's Club

RCU School $ense

US Savings Bonds

Tax Information

Account Disclosures

View disclosures (including Truth in Savings Disclosure).

View special service charges.

For More Information

Call 1-800-341-9911

Email Member Services