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NCUA Share Insurance

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As Low As 1.90% APR Fixed Rate Auto Loans

No Gimmicks. Just a fixed, low rate.
Frustrated with the never-ending gimmicks and fine print to get a fixed, low rate auto loan? End your frustration. reLAX with a fixed, low rate auto loan at DHCU Community Credit Union.

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*APR = Annual Percentage Rate. Interest rate determined by individual credit history. As low as rate of 1.90% APR based on A credit, up to 100% financing for 60 months on vehicle model years 2010 or newer.

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Quad Cities: 309-796-7500
Clinton: 563-244-6506
Toll-free: 800-323-5109

E-mail us at info@dhcu.org

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Your money is Safe & Sound.
NCUA coverage is to credit unions as FDIC coverage is to banks. Both funds are backed by the full faith and credit of the U.S. government.

The Dodd-Frank Wall Street Reform and Consumer Protection Act signed by President Barack Obama on July 21, 2010, made permanent the current standard maximum deposit insurance amount (SMDIA) of $250,000. The†NCUA coverage limit applies per depositor, per insured depository institution, for each account ownership category. To read more about HR 4173 click here.

Funds may be insured for even more than $250,000, depending on how you establish your accounts. The following illustrations show how typical families may use multiple ownership of accounts to increase the insurance coverage for their family funds. In all cases, the accounts illustrated must meet the share insurance coverage requirements as published in the code of Federal Regulations. Click here for full details.

A qualifying beneficiary can be any natural person as well as charitable and non profit organizations.

Individual
Individual Account
250,000
Individual Retirement Account
250,000
Total
$500.000
Family of 2
Husband Individual Account
250,000
Wife Individual Account
250,000
Joint Tenancy Husband & Wife Account
250,000
Testamentary Revocable-Husband as Trustee for Wife
250,000
Testamentary Revocable-Wife as Trustee for Husband
250,000
Total
$1,250,000
Family of 3
Husband Individual Account
250,000
Wife Individual Account
250,000
Child Individual Account
250,000
Joint Tenancy Husband & Wife Account*
250,000
Joint Tenancy Husband & Child Account*
250,000
Joint Tenancy Wife & Child Account*
250,000
Testamentary Revocable-Husband as Trustee for Wife
250,000
Testamentary Revocable-Husband as Trustee for Child
250,000
Testamentary Revocable-Wife as Trustee for Husband
250,000
Testamentary Revocable-Wife as Trustee for Child
250,000
Total
$2,500,000
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Family of 4
Husband Individual Account
250,000
Wife Individual Account
250,000
Child #1 Individual Account
250,000
Child #2 Individual Account
250,000
Joint Tenancy Husband & Wife Account**
250,000
Joint Tenancy Husband & Child #1 Account**
250,000
Joint Tenancy Wife & Child #2 Account**
250,000
Child #1& Child #2 Account**
250,000
Testamentary Revocable-Husband as Trustee for Wife
250,000
Testamentary Revocable-Wife as Trustee for Husband
250,000
Testamentary Revocable-Husband as Trustee for Child #1
250,000
Testamentary Revocable-Wife as Trustee for Child #1
250,000
Testamentary Revocable-Husband as Trustee for Child #2
250,000
Testamentary Revocable-Wife as Trustee for Child #2
250,000
Total
$3,500,000
Business
Business Account
250,000
Total
$250,000

*The Husband is insured to $250,000 on his two accounts with Wife and Child. The Wife is insured to $250,000 on her two accounts with Husband and Child. The Child is insured to $250,000 on his/her accounts with father and mother.
**As in the previous illustration, none of the co-owners has an interest of more than $250,000 in all of the joint accounts, so the total amount held by the each of the co-owners in all of the joint accounts is insured.

NCUA Insurance Call Center
Call 800-755-1030 ext 1 from 7:00 am - 5:30 pm CST to speak with an insurance expert.

Click here to estimate your insurance. Then click the share insurance estimator.



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