Benefits for your Credit Union and your Members


What makes your credit union different? Better rates? More locations? Longer hours? Friendlier staff? Is any of that enough to win over new and existing members? Competition is stiff, so it pays to stand out.

Show your strength by offering protection no banks and few credit unions can offer – excess share insurance from Excess Share Insurance Corporation (ESI). Your current members will notice, and so will new ones.

ESI is licensed to provide excess share insurance to state and federally chartered credit unions in 32 states plus the District of Columbia (please refer to the map below). Click on a specific state to find your sales manager, along with their contact information.

Contact ESI
No coverage available
Coverage available from ESI
Coverage available from ASI


Add excess share insurance to compliment your credit union’s existing member service programs. ESI will help you understand the many different ways an excess insurance program can be customized to fit your needs, and will work with you to choose the best program – or programs – for your credit union.


Do you want to be your members’ Primary Financial Institution? Past experience has demonstrated that credit unions with excess share insurance typically see their members keep more of their deposits in their credit union – which also means they’ll generally use more of the credit union’s products and services, too.


By offering from $250,000 of additional protection to all members, or from $250,000 to $5,000,000 on select accounts, you should be able to secure larger, longer-termed deposits from individuals, businesses and other organizations. Policies exceeding $250,000 are not available in Texas, Washington or Florida.


Excess share insurance is a marketplace differentiator. Banks don’t have access to this type of coverage, and many credit unions don’t qualify for the program. Your members will quickly come to recognize that your credit union is their best place to save, now and in the future.


Your members deserve the best, so give them something they can’t get anywhere else – more protection – with no additional paperwork or direct cost to them. Give them the peace of mind to keep more of their savings with your credit union.

Added convenience. Greater coverage. The choice is simple.