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CO-OP Shared BranchesDeposit Coverage minimum of $1,000,000*
At West Community, your funds are insured up to 4x the industry average.
*Federally insured for $250,000 by NCUA. Plus additional minimum coverage of $750,000 provided by Excess Share Insurance Corporation, a licensed insurance company.
Deposit with confidence
As our member, your deposits are Federally Insured by the National Credit Union Administration (NCUA) for a minimum of $250,000. NCUA is an independent agency of the US government that regulates, charters and supervises Federally insured credit unions.
To further protect our members’ deposits, we provide additional coverage of a minimum of $750,000 through Excess Share Insurance (ESI) to all members. Regardless of the economic environment, your funds at West Community Credit Union remain safe and sound.
"Our responsibility is to serve as good stewards of your funds, and we are proud to be classified as “well capitalized” by our regulator, which is the highest capital rating a credit union can achieve."
Jason Peach, President/CEO.
Not one penny of insured savings has ever been lost by a
member of a Federally insured credit union.
—NCUA Consumer Report
NCUA Coverage
NCUA Deposit Insurance protects your funds. As a member you have options for coverage that are separate from and in addition to the coverage available to your single ownership account; such as Joint, Trust and Retirement.
Use this helpful calculator from MyCreditUnion.gov to estimate your NCUA coverage.
Additional ESI Coverage
Our members get peace of mind with an additional $750,000 in coverage provided by ESI, a licensed insurance company. This is in addition to the standard $250,000 of Federal deposit insurance protection from the NCUA, Our account holders enjoy coverage that is 4 times the industry standard.