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Insured Savings

Your Deposits are 100% Safe & Insured

Up To $500,000

beyond industry-standard

What really sets Charlotte Metro apart is that we insure your deposits up to $500,000 through the National Credit Union Administration (NCUA) and Excess Share Insurance Corporation (ESI)… at no additional cost to you! If you’re not super familiar with credit unions, here’s some bonus info on how your money is protected!

Secure Savings
national credit union administration (ncua)

federally insured up to $250,000

Charlotte Metro is a federally chartered financial institution - regulated by the National Credit Union Administration (NCUA) - and is federally insured by the National Credit Union Share Insurance Fund (NCUSIF). Much like the FDIC for banks, the NCUSIF is backed by the full faith and credit of the U.S. government. And, like the FDIC, the NCUSIF insures each depositor up to $250,000.

Learn more about NCUA and how it protects credit union depositors here. Want to know your coverage amount? You can calculate your individual insurance benefit by using the NCUA insurance calculator.

Secure Savings
Insured Savings
Excess Share Insurance Corporation (ESI)

over $250,000? we’ve got you covered.

In addition to the $250,000 coverage provided by NCUA, Charlotte Metro members with higher deposits have an additional $250,000 deposit insurance through Excess Share Insurance Corporation (ESI) - the nation’s largest provider of deposit insurance for credit union consumers with balances in excess of the basic $250,000 NCUA provided insurance. This means your deposits are insured up to $500,000! Learn more about ESI here.

Insured Savings