Deposit Insurance

Deposits with Union Pacific “A Division of Pacific Transportation Federal Credit Union” are federally insured up to $250,000 through the National Credit Union Administration (NCUA), a U.S. government agency.


  • The maximum $250,000 NCUA insurance covers the balances of your combined individual savings account, certificate of deposit and checking accounts.
  • Insurance coverage can be expanded through joint ownership. Combined balances in joint accounts receive separate insurance coverage from individual accounts. Insurance covers up to $250,000 per individual on the account. There is a $250,000 maximum coverage available for any member through joint ownership.
  • Individual Retirement Account deposits are insured up to $250,000.
  • Trust Accounts provide a maximum of $250,000 for each beneficiary per trustee. These accounts receive separate insurance coverage from other trustee accounts.
  • Custodial Accounts are insured separately. A minor’s custodial account can be insured up to $250,000 for the combined balances.

How to Maximize Your Coverage

Members can maximize their deposit insurance coverage using different account combinations. The chart below illustrates how you can maximize your coverage:

Deposit insurance sample graph

For more information, visit the National Credit Union Administration (NCUA).