Zvikwereti zvekodheni zvakafanana nemabhengi, asi kuchine zvakawanda zvekuvhiringidzika nezvekuti zvikwereti zvekwereti zvinoshanda sei.
Kana iwe uine hanya nezvokudzivirira mari yako, iwe pachako uchazobvunza kana zvikwereti zvekwereti zvakachengeteka semabhanki.
Mhinduro shoma ndeyekuti hongu, ivo vakafanana chaizvo.
Ndezvikwereti Zvekwereti Zvakavharwa Here?
Sezvo kune kuchengetedzwa kwemari yako, zvikwereti zvekwereti zvakachengeteka semabhengi ebhangi - chero bedzi ivo vari vezve federity insured credit union.
Iwe unenge uchiziva neDFIC inshuwarisi , inokuchengetedza kubva mukukundikana kwebhangi , uye iyo inopa kuchengetedzwa kunoitwa nevashandi vebhangi. Federally insured mvumo yekubhadhara zvikwereti inopa zvakawanda zvakafanana, kunze kwekuti inonzi inshuwarisi yeNCUSIF , inotungamirirwa neNational Credit Union Administration (NCUA) panzvimbo ye FDC.
National Credit Union Insurance Fund (NCUSIF) "inotsigirwa nekutenda kwakakwana uye chikwereti chehurumende yeUnited States." MuChirungu zvakajeka, izvo zvinoreva kuti hurumende yakavimbiswa, kufanana neCDC inshuwarisi . Kana federally insured credit union yako yakakundikana uye ikapedza dzimba rose yemari muNCUSIF, hurumende yeUnited States inopikira kuti inouya nemari ipi neipi inoda kuchinja mari yako.
Kana hurumende yeUnited States isingakwanisi kana kuti isingadi kubhadhara iwe chero chikonzero chipi zvacho, iwe unenge usisina hanya kana iwe wakanga uine kambani pabhangi kana chikwereti chekwereti (uye iwe unenge uine matambudziko makuru okufunganya pamusoro).
ICUA inorondedzera kuti "Hapana peni imwe yemari yekuchengetedzwa kwehupfumi inenge yakamborasikirwa nenhengo ye federally insured credit union."
Ndezvipi Zvakafuridzirwa?
FDC neNCUSIF inshumo yose inopa kusvika $ 250,000 yehuwandu hwe "$ depositor per institution". Kana uine madhora anodarika $ 250,000 pane imwe nzvimbo, iwe unofungidzirwa - uye iwe ungatove wakafukidzirwa kana uine zvakawanda kupfuura izvozvo, zvichienderana nekuita kwako nhoroondo dzakarongeka (kana iwe une IRA uye cheki chekuongorora pane imwechete chikwereti chekubatana, somuenzaniso). Kuti uwane zvakananga paunomira, shandisa NCUA's Share Insurance Estimator.
Chii Chinochengetwa Nemadzinza Chine Mari?
Zvikwereti zvekodheni zvakachengeteka pavanenge vari vepa federally insured credit union. Zvikwereti zvizhinji zvezvikwereti zvinowira munharaunda iyo, asi zvakakodzera kubvumirana kuti ndeupi rudzi rwechikwata chekwereti chaunosangana nayo. Kana zita rechikwereti rechikwata rinosanganisira shoko rokuti "Federal" zviri nyore - mari yako inodzivirirwa neCUSUSIF.
Kana zita rako rechikwereti chinyorwa harina shoko rokuti "Federal," rinogona kunge rakagadziriswa nehurumende yemari yechikwereti. Nzira yakanakisisa yekuwana nayo ndeyokutsvakurudza zvikwereti zvekambani kuburikidza neCNUA.
Zvimwe zvikwereti zvezvikwereti hazvifambiswi nehurumende. Aya masangano anowanzochengeteka zvakare, asi haasi kutsigirwa nehurumende yeUnited States. Kuchengetedzwa kwako kunobva pane kuti chikwereti chekoni chinoshanda sei uye chero inshuwarisi (zvichida inshuwarisi yega yega) inowanikwa.
Kana iwe usingazivi kuti wakachengeteka chikwereti chekoni chii, tanga kubvunza mibvunzo pamusoro pekugoverwa inshuwarisi uye iwe unomira shure kwayo. Zvibvumirano zvekuchengetedza zvikwereti zvakanyanya hazvirevi zvakaipa, hazviiti kuti ipe iyo yakakwana yepamusoro yekuchengeteka iripo.
Chii Chinotsigirwa?
Zvikwereti zvikwereti zvi nzvimbo dzakachengeteka zvemari (uye mari-yakafanana) imari. Kana ukashandisa chero humwe rudzi rwekutsinhanisa kuburikidza nekweretheni yemubatanidzwa (mutual funds, annuities, nezvimwe zvikwereti), izvo zviridzwa hazvifukidzwi neNCUSIF. NCUA inishuwarenzi inowanzo:
- Checking accounts
- Savings accounts
- Mari yemarike yekodha (asi kwete mari yemusika mari)
- Zvitatimiti zvekuisa (CDs)
- IRAs yakaitirwa pa credit union
Zvimwe Nezvokutenga Zvikwereti
Zvikwereti zvikwereti nzvimbo dzakakwirira kuti uchengetedze mari yako. Kuti udzidze zvakawanda pamusoro pekushanda kwavanoita uye izvo zvavanotarisira, verenga pamusoro pezvinyorwa zvemakambani emakwereti uye kuti vanofananidza sei nemabhengi .