Who insures my deposits?

The answer depends on the type of institution. The following two federal agencies provide deposit insurance to the various types of financial institutions:

1. The Federal Deposit Insurance Corporation (FDIC) insures the deposits at all national banks, all federal savings and loan associations, all federal savings banks, nearly all state-chartered banks, and nearly all state-chartered savings associations. Currently, the FDIC insures deposits at all Hawaii-chartered banks, all Hawaii-chartered savings and loan associations and all Hawaii-licensed depository financial services loan companies.
2. The National Credit Union Administration (NCUA), through the National Credit Union Shares Insurance Fund, insures the deposits at all federal credit unions and many state-chartered credit unions, including all Hawaii-chartered credit unions.

   For more online information, click on the agency name to go directly to its Web site, or for federal regulatory agency addresses, phone numbers and Web addresses, click here on "Federal Regulators".

   If you are uncertain which agency insures your deposits, you should ask your institution.