About Direct

Federal Insurance

Your Direct Federal Credit Union accounts are insured by a U.S. federal agency called the National Credit Union Administration (NCUA). This insurance is similar to the deposit insurance protection offered by the Federal Deposit Insurance Corporation (FDIC).

Each account is insured up to $100,000 per account owner. You are separately covered up to $250,000 for funds in an Individual Retirement Account (IRA) and you are separately covered up to $100,000 for funds in a trust account. You can increase the insurance on your accounts depending on the types of accounts you have and how your accounts are owned.

For a detailed explanation of your insurance coverage, go to NCUA Account Descriptions. To estimate your insurance coverage, go to NCUA Share Insurance Estimator.