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Dow Credit Union has a strong and stable deposit base and significant liquidity resources to fund potential deposit withdrawals. We analyze our contingency funding sources regularly and we put measures in place well ahead of any perceived need.

We are federally insured by NCUA, and each credit union member has at least $250,000 in total coverage. The amount is determined by account ownership.

If you & your family have $250,000 or less in all your share deposit accounts with us, you don’t need to worry about your insurance coverage. Your shares are fully insured. You can have more than $250,000 and still be fully insured provided the accounts meet certain requirements and are properly structured; for example: Single Ownership $250,000 / Joint Ownership (no beneficiaries) $250,000 per owner.

For additional information or to use an estimator, use the sites below. Members can navigate and use these resources as well. You can even transfer them to an NCUA expert at 1-800-755-1030.

Share Insurance FAQ: https://mycreditunion.gov/share-insurance-estimator-faq#02
Share Insurance Estimator: https://mycreditunion.gov/insurance-estimator