Deposit Insurance

The National Credit Union Administration (NCUA) is a U.S. government agency that insures deposits at federally insured credit unions, including HRCU.

• Your HRCU deposits are insured up to $250,000 per member by the NCUA
• This coverage is backed by the full faith and credit of the U.S. government
• If you hold multiple accounts with the same ownership at HRCU, they are combined and insured in total up to $250,000
• You may qualify for additional insurance if you have different ownership interests or account types

Learn more about NCUA insurance coverage here. 

Questions on your coverage? Contact our Member Support team at 603-332-6840.

In addition to NCUA coverage, HRCU partners with Excess Share Insurance (ESI) to provide extended protection for your deposits.

• HRCU offers an additional $250,000 in coverage through ESI, a trusted private insurance company
• This means deposits exceeding the NCUA’s $250,000 limit are insured up to a combined total of $500,000
• ESI coverage is automatically applied—no need to enroll or pay extra
• This partnership helps protect more of your money and supports your long-term financial security

Learn more about Excess Share Insurance here.

Questions on your coverage? Contact our Member Support team at 603-332-6840.

If you have questions about share insurance or need guidance on structuring your account to maximize coverage, our Member Support team is here to help. Contact us at 603-332-6840.