Excess Share Insurance

Excess share insurance can help credit unions Attract, Protect, and Retain members and member deposits.

Since 1993, ESI has been offering additional deposit insurance for member accounts that exceed the coverage limits provided by their credit union’s primary share insurance. This unique program is provided exclusively to credit unions, and is currently available in 32 states and the District of Columbia.

If you have questions or would like additional information, please contact ESI by using the Contact Us form at the bottom of this page.

Choose The Coverage Plan That Works Best For Your Credit Union

ESI allows qualifying credit unions to customize the protection provided to members with deposit account balances in excess of $250,000.

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Double Cover

Credit unions can enhance the protection offered to their entire membership by adding $250,000 of additional deposit insurance to primary coverage limits on all classes of accounts

 

Select Cover

Add up to $5,000,000 of additional deposit insurance to primary coverage limits on select classes of accounts such as Business Savings and Public Funds (Select Cover not available in Texas, Washington or Florida)

Custom Cover

Add up to $250,000 of additional deposit insurance to primary coverage limits on specific classes of accounts such as IRAs and CDs

More Than 25 Years of Reinvention and Protection

Members of credit unions using ESI’s excess share insurance can take comfort that their savings are safe, and that a portion of their deposits are protected by a well-capitalized, credit union-only private insurer. Today, hundreds of credit unions nationwide utilize ESI’s program to add another layer of protection over what is provided by their credit union’s primary insurer.

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