Your deposits are protected by NCUA up to $250,000

At Five Star FCU, we take our commitment to members’ safety seriously. One advantage of banking with a federally-insured credit union is the rock-solid protection offered by the National Credit Union Share Insurance Fund (NCUSIF) through the National Credit Union Administration (NCUA), an agency of the federal government.

If you purchase $10,000 worth of non-insured investments or stocks, the value of your investment could go up or down; there’s no guarantee that you’ll even keep your initial investment amount. However, with $10,000 deposited in a federally-insured credit union, your investment is safe — and you’ll earn interest, too!

At Five Star FCU, your deposits are protected by the NCUSIF and insured up to at least $250,000 per individual depositor — the same as any other federally insured financial institution. If you have more than $250,000 to deposit, ask our branch staff about structuring your accounts. For example, one account could be primarily owned by a spouse or family member, and additional account(s) by the other spouse or another family member. Plus, Individual Retirement Accounts (IRAs) are insured separately from regular savings by the NCUSIF, up to $250,000; IRAs can be structured, too, for maximum deposit protection. For additional guidance, use the Share Insurance Estimator tool on the NCUA website.

NCUA Chairman Todd M. Harper has commented on the safety and soundness of the entire credit union system. And Bauer Financial, an independent agency rating U.S. credit unions and banks, has awarded its highest rating (five stars) to Five Star of Maryland Federal Credit Union, confirming our status as a well-capitalized financial institution.

If you have questions about your Five Star FCU accounts, please call 855-597-5766 (option 2), visit a branch or send an e-mail message to

The NCUA logo below links to an instructional video about credit union deposit insurance. Or contact a Five Star FCU branch for more information.

NCUA Insurance