Shandisa Inishuwarenzi yeZvikwereti Zvekwereti
Kana iwe uchiziva neDFIC inshuwarisi , inshuwarisi yeNCUSIF inenge yakangofanana: zvose zvinyorwa zvekugoverwa zvinotsigirwa nehurumende yeUnited States, uye iye zvino vanochengetedza kusvika ku $ 250,000 pamubhidha wekambani nechikoro. Somugumisiro, kana iwe uine $ 5,000 mukuchengetedza uye pane kukundikana kana kubavha , uchawana mari yako yose (kazhinji mukati memazuva mashomanana). Izvi zvinokwereta chikwereti mari uye mabhengi maakaiti pakati penzvimbo dzakachengeteka kuti uchengetedze mari yako.
Coverage Details
NCUSIF inovhara mari inowanikwa mu "share" accounts. Ichi chikwereti chinyorwa chinyorwa chekambani chakachengetwa uye chinotungamirirwa nekwerekiti yemubatanidzwa:
- Kuchengeta maakaunti - mari yako yezuva rega rega uye account yekutengeserana
- Nhoroondo dzekuchengetedza - yako "nzvimbo yakabata" yezvikwereti zvausingafaniri kushandisa munguva yemberi
- Mariko yemari yemari - inobhadhara chikwereti uye inobvumira kushandiswa kushoma
- Zvitatimiti zveDhipatimendi (CD) - iyo inowedzera kana iwe ukazvipira kusiya mari yako nekweretheni yemubatanidzwa
Ramba uchifunga kuti iwe unogona kutenga kana kuisa mune dzimwe mhando yemishonga mukati memadziro eimba yako yechikwereti. Zvisinei, iyo michina haifariri nguva dzose kuchengetedzwa kweNCUSIF. Semuenzaniso, mashizha, zvibvumirano, mutengo wemari (kusanganisira mari yemari yemari), uye zviri mukati menyu yakachengeteka deposit box hazvifukidzwi neNCUSIF uye iwe unogona kurasikirwa nemari nemidziyo.
NCUSIF inongowanika pahurumende yemishandiro yekubhadhara mari , inotungamirirwa neNational Credit Union Administration (NCUA). Kune mamwe marudzi emakambani emakambani, mamwe acho anoshandisa inshuwarisi yega yega (iyo isiri iyo chinhu chakashata, asi haisi yakachengeteka seKUSUSIF chinyorwa). Tarisa kadhi ye NCUA mune yako chikwereti union branch kana paIndaneti.
Nhamba yeBhuku
Kunzwisisa kuti kufara kwaungaita kungave kwakanyengera sei. Kana iwe uchida kuva wakachengeteka, fungidzira iwe wakafukidzirwa kusvika ku $ 250,000 pa federally insured credit union. Kana iwe uine zvinopfuura izvozvo, unogona kuchengeta kuwedzerwa mune imwe chikwereti chikwereti.
Zvisinei, iwe haufaniri kushanda kushandisa chikwereti chimwe chechikwereti. Iko $ 250,000 mamiriyoni ari mubhengi wezvinyorwa (kana kuti "kubhadhara," kana iwe uchida), uye iwe ungave uine mazita akanyorwa mazita akasiyana akasiyana:
- Nhoroondo imwechete
- A joint joint account
- Imwe Chikamu Chekurega Mari (IRA)
- A Keogh retirement rekodha
Imwe yezvinyorwa zvebhuku idzodzo inowana $ 250,000, saka iwe unogona kunge uine mamiriyoni emadhora ekuverengera pane imwe chikwereti chebato. Nzira yakanakisisa yekuwana kuti yakawanda sei kugoverana kwako kutaura nechikwereti chikamu mushandi uye kushandisa NCUA's share insurance estimator (iri muInternet calculator yekugadzirisa zvikomborero zvako).
Mari YeInishuwarenzi
Inishuwarenzi yaNCUSIF yakasununguka - hapana mari yakasiyana yeakisi yako uye haufaniri kuisa. Kuti zvive zvakanyatsojeka, kugoverwa kunosanganiswa nekodhi imwe yeropa (mamwe maakaiti haasi inshuwaridzi - ona pamusoro) pa federally insured credit union, asi chikwereti chebato rinobhadhara mari yekubhadhara inshuwarisi. Kubva iwe iwe, semugove wezvinyorwa, uri muridzi wega wekweretheni yemubatanidzwa , iwe unobhadhara mari yako pasina.
Zvikwereti zvekwereti zvinopa mari iyi kuchengeta 1% yemari yavo muShare Insurance Fund. ICUA inogonawo kuunganidza zvikwereti zvakare kana zvichidiwa.
Kana, nokuda kwechimwe chikonzero, mari yacho yaizomiswa, mari yacho inotsigirwa nekutenda kwakakwana uye chikwereti chehurumende yeUnited States - Imari inogona kupa mari (pakupedzisira inobhadharwa nevateresi) kuchengetedza zvinhu zvose. Kusvika iye zvino, mari iyi yave ichibhadharwa chete nezvikwereti zvezvikwereti pachavo uye hapana mari yehurumende yave ichidiwa.