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Account Protection

Linebacker Overdraft Protection

Our linebacker overdraft protection is a line of credit that helps stop those occasional charges that cause your checking account to overdraw. Cover your checks from insufficient funds and protect yourself from check writing errors. Loan advances are made in $100 increments and credit limits are available up to $1,000.

Click here to apply online.

Share Insurance

Protecting your funds is our top priority, that's why all UCU deposit accounts are insured up to $500,000 ($250,000 insurance through NCUA and $250,000 insurance through Excess Share Insurance).

Click here for more information on NCUA's Share Insurance.
Click here for more information on Excess Share Insurance.

Individual AccountsJoint AccountsBusiness AccountsRetirement Accounts
National Credit Union Associationup to $250,000up to $250,000/Joint Ownerup to $250,000up to $250,000
Excess Share Insuranceup to $250,000up to $250,000/Joint Ownerup to $250,000up to $250,000
Total Insured Fundsup to $500,000up to $500,000/Joint Ownerup to $500,000up to $500,000

*Individual share accounts held by the same member are added together and are insured up to $500,000. Funds in joint accounts are insured separately from individual accounts up to $500,000. The funds that a particular joint owner has in all joint accounts held at UCU will be added together and insured up to $1,000,000. Traditional IRA, Roth IRA, and Keogh accounts are insured separately to $500,000 from other accounts that the member maintains at UCU.