Extended Share Insurance Accounts

Maximize NCUA insurance coverage while automatically earning competitive returns.

Up to $17 Million in protection.

Grow and protect your savings with expanded insurance coverage. Designed for members with larger balances who want greater peace of mind without added complexity, this account provides expanded insurance coverage, competitive returns, and 24/7 transparency — all through one simple account.

Maximize Coverage

Expanded Insurance - Your savings are protected up to $17 million through our NCUA-insured partner network — all conveniently managed through a single account.
Competitive Returns - Earn interest on your entire balance while keeping your deposits protected.
24/7 Transparency - Monitor your funds and account activity in real time through our secure online platform. Earn interest on your entire balance while keeping your deposits protected.

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Key Benefits

Initial Deposit

Start with a single opening deposit and easily add funds as your balance grows.

Auto-Sweep

Your deposits are automatically distributed across our network of NCUA-insured partner credit unions to help maximize insurance coverage.

Easy Access

Access your funds when you need them, with simple transfers and a streamlined account experience.

Full Visibility

View your total balance, activity, and interest earned in real time through one secure online platform, giving you complete transparency and control.

Get Instant Answers

What is an Extended Insurance Account?

An Extended Insurance Account is designed to help protect larger deposit balances by extending NCUA insurance coverage beyond the standard limit of $250,000. Your funds are placed across a network of participating NCUA-insured credit unions, while you continue to manage everything through one simple account. For full details, please read the Program Terms and Conditions.

Do I need to open multiple accounts?

No. You only open and manage one account with your credit union. All allocation and insurance optimization happens automatically behind the scenes.

What is Auto Sweep and how does it work?

Auto Sweep automatically distributes your deposits across participating NCUA-insured credit unions to help maximize insurance coverage. This process requires no action from you and adjusts as your balance changes.

Are Extended Insurance Account available for business accounts?

Yes! This is available for business and consumer.

Funds participating in the Credit Union West Extended Insurance Account are deposited into accounts at participating credit unions, which are insured by the National Credit Union Association (NCUA) for up to $250,000 for each category of legal ownership, including any other balances you may hold directly or through other intermediaries, including broker-dealers. The total amount of NCUA insurance for your account depends on the number of credit unions in the program. If the balance in your account is greater than the NCUA insurance coverage in the program, any excess funds will not be insured. Please read the Program Terms and Conditions carefully before depositing money into the program and for other important customer disclosures and information. To assure your NCUA coverage, please regularly review credit unions in which your funds have been deposited, and notify Credit Union West immediately if you do not want to allocate funds to a particular credit union or credit unions.