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.
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).
|Individual Accounts||Joint Accounts||Business Accounts||Retirement Accounts|
|National Credit Union Association||up to $250,000||up to $250,000/Joint Owner||up to $250,000||up to $250,000|
|Excess Share Insurance||up to $250,000||up to $250,000/Joint Owner||up to $250,000||up to $250,000|
|Total Insured Funds||up to $500,000||up to $500,000/Joint Owner||up to $500,000||up 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.