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Account Regulations

How Do I Know My Money is Safe

The Police Credit Union’s leaders guide the credit union on a daily basis using sound fiscal principles with a focus on safeguarding members’ funds. Like the law enforcement we serve, The Police Credit Union takes a steady, responsible approach to our role. We avoid high-risk decisions that could jeopardize members’ financial standing, and we adhere to lending practices that result in much lower delinquencies than many banks and credit unions.

As a result, The Police Credit Union is positioned as a trustworthy credit union where members can rely on us to act responsibly.

Superior Rating for Safety and Soundness

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The Police Credit Union has been awarded the 5-Star Superior rating for safety and soundness every year since 1990 by BauerFinancial, Inc. BauerFinancial is the nation’s leading bank and credit union rating and research firm analyzing the financial industry as a source of unbiased information.

If you have any questions about The Police Credit Union loans or how your accounts are insured, please contact us today.

National Credit Union Share Insurance Fund (NCUSIF)

We provide protection for your money through the National Credit Union Share Insurance Fund (NCUSIF), a fund backed by the U.S. government and administered by the National Credit Union Administration (NCUA). The NCUA is the governing body for federal credit unions and insures savings in credit unions throughout the country.


The NCUSIF insures most accounts up to $250,000, but your accounts can be covered beyond that amount based on the legal vesting of your accounts.


Which Accounts Qualify for Coverage?

Individual accounts, joint accounts, trust accounts and Individual Retirement Accounts (IRA) qualify for share insurance coverage. Account owners generally have an aggregated maximum coverage of $250,000 per credit union and per category of coverage. Individual share accounts held by the same member are added together and are insured up to the $250,000.

Please note that the information below is intended for example purposes only. Each member’s financial situation varies based on account information. Please contact a Member Solution Specialist at 800.222.1391 regarding your specific situation, or for general questions about the coverage provided by NCUA share insurance, contact the NCUA Insurance Call Center between 5 a.m. and 3:30 p.m. (PST) Monday through Friday at 1.800.755.1030, extension 1.

Examples from NCUA

Individual Coverage

Family of Two

*This example assumes there are no beneficiaries on the account.Only Deposit Accounts are federally insured by the NCUA. Non-deposit investment products are not federally insured, involve investment risk including the possible loss of principal, may lose value and are not obligations of or guaranteed by the credit union or any affiliated entity. As of July 22, 2010 NCUSIF insurance has permanently been increased to $250,000.

Family of Four

*This example assumes there are no beneficiaries on the account.Only Deposit Accounts are federally insured by the NCUA. Non-deposit investment products are not federally insured, involve investment risk including the possible loss of principal, may lose value and are not obligations of or guaranteed by the credit union or any affiliated entity. As of July 22, 2010 NCUSIF insurance has permanently been increased to $250,000.

Watch an Informational Video about NCUA Insurance

Calculate Your Share Insurance

Use this calculator to run a report on the amount of coverage you have on your accounts.