Shell Federal Credit Union provides members with the highest combination of federal/private share savings deposit insurance available…$350,000 for regular savings accounts and $500,000 for Individual Retirement Accounts.

This exceptional level of protection is made possible through our affiliation with the Excess Share Insurance Corporation (ESI), a subsidiary of American Share Insurance, the nation’s largest private deposit insurer.

ESI provides members up to $250,000 in coverage, in addition to the standard $100,000 on share accounts and $250,000 of protection on IRA accounts from the National Credit Union Administration (NCUA), an agency of the federal government.

Both ESI and NCUA offer coverage payable only upon failure and liquidation of the credit union.  To qualify for ESI’s extended protection, your credit union is required to meet strict underwriting criteria and report monthly to ESI.

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