Deposit Insurance

Federal Deposit Insurance

Savings accounts are insured by the National Credit Union Administration (NCUA), a U.S. government agency, up to $250,000 per account.

Excess Share Insurance (ESI)

First Capital also offers additional protection through Excess Share Insurance (ESI). ESI covers your account up to an additional $250,000 per account, at no charge. That means your savings are automatically insured up to $500,000 per account, at no cost e.g. a couple with (two) individual accounts and a joint account is covered up to $1,000,000 with the NCUA and an additional $1,000,000 with ESI for a total of TWO million dollars! Additionally, Individual Retirement Accounts (IRAs) are insured up to $250,000 through the NCUA and $250,000 through ESI. ESI, providing real peace of mind for your nest egg!