Qhov txawv tsuas yog the NCUA insures credit union deposits where FDIC insures bank deposits Tsis tas li ntawd, ob qho tib si ua haujlwm zoo sib xws. Yog tias lub koomhaum qiv nyiaj yuav tsum tshwm sim ua tsis tiav, NCUA yuav them cov nyiaj pov hwm pov hwm rau tus tswvcuab tus account. Ib yam mus rau ib lub txhab nyiaj.
When is safer NCUA vs FDIC?
Ib yam li cov tsev txhab nyiaj, cov koom haum qiv nyiaj tau txais kev pov hwm hauv tsoomfwv; Txawm li cas los xij, cov koom haum qiv nyiaj tsis muaj kev pov hwm los ntawm Tsoom Fwv Teb Chaws Cov Nyiaj Pov Hwm Pov Hwm (FDIC). Hloov chaw, National Credit Union Administration (NCUA) yog tsoomfwv cov neeg pov hwm ntawm cov koomhaum qiv nyiaj, ua rau lawv muaj kev nyab xeeb zoo li cov tsev txhab nyiaj ib txwm muaj.
NCUA Different from FDIC?
Qhov sib txawv loj tshaj ntawm NCUA thiab FDIC yog nyob rau hauv hom tsev kawm ntawv txhua lub npog. FDIC tswj hwm thiab pov hwm tsev txhab nyiaj thaum NCUA saib xyuas tsoomfwv cov koomhaum pabcuam nyiaj.
Ntau npaum li cas ntawm koj cov nyiaj tiv thaiv los ntawm FDIC lossis NCUA?
Tam sim no, FDIC thiab NCUA insure tso nyiaj txog $250,000 Tab sis tsis tau txhais hais tias koj tsis tuaj yeem tiv thaiv ntau tshaj qhov nrog tsoomfwv pov hwm. Tus nqi ntawm qhov kev pab them nqi koj tau txais thaum kawg yog nyob ntawm hom nyiaj koj muaj thiab seb koj puas muaj tus tuav nyiaj sib koom.
NCUA insure up to?
Lub Tebchaws Credit Union Share Insurance Fund tau tsim los ntawm Congress hauv xyoo 1970 los pov hwm cov tswvcuab cov nyiaj tso rau hauv tsoomfwv cov koomhaum qiv nyiaj. Txhua tus tswvcuab hauv koomhaum qiv nyiaj muaj tsawg kawg $250, 000 hauv tag nrho cov kev pabcuam. Kev tswj hwm los ntawm NCUA, Share Insurance Fund insures ib tus account mus txog $250,000.
