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How a Husband, Wife and One child May Have Insured Accounts
Totaling $1,000,000 |
 |
| Individual Accounts: |
|
Husband |
$100,000 |
Wife |
$100,000 |
Child |
$100,000 |
| Joint Accounts: |
|
Husband and Wife |
$100,000 |
Husband and Child |
$100,000 |
Wife and Child |
$100,000 |
| Revocable Trusts: |
|
Husband as Trustee for Wife |
$100,000 |
Husband as Trustee for Child |
$100,000 |
Wife as Trustee for Husband |
$100,000 |
Wife as Trustee for Child |
$100,000 |
|
--------------- |
TOTAL= |
$1,000,000 |
|
Special Notes |
| About Individual Retirement Accounts |
About NCUA Sanction of this Page |
| In addition to the coverage shown in the charts above, any funds in IRA or Keogh Accounts are eligible for separate insurance protection up to $100,000. They are not included in these charts because they are subject to special rules for deposits and withdrawals. |
The NCUA cannot officially sanction and approve this page, because the examples, although generally accurate, are designed to simplify in layman's terms rather complex rules that in some circumstances may only be fully understood in the statutory and regulatory context in which they were written. |
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