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The nation's largest provider of excess share insurance to credit unions since 1993. 
Our excess share (deposit) insurance helps protect the hard-earned savings of credit union members throughout the United States. 

This unique program provides up to an additional $250,000 of insurance once a credit union member's balance exceeds the coverage provided by their primary share insurer.   


ESI is safe and sound as are your credit union savings.
Members of credit unions insured with excess share insurance can take great comfort in knowing that their savings are safe, sound and protected by a well-capitalized insurance fund.
The current economic environment has left many credit union members asking questions about the safety of their savings.  In response, ESI has developed  a summary of highlights explaining our program and how it protects your credit union deposits.

Click here for more details on excess share insurance - Your Insured Funds.



For Credit Union Members
Credit unions that offer excess share insurance allow you to maintain much higher balances at the credit union and still have the security you deserve. Learn how excess share insurance helps insure your savings.

For Credit Union's Considering
Excess Share Insurance
Stand out in the crowded financial services market.  ESI's excess share insurance is cost effective, easy to implement, and available exclusively to credit unions. Learn what makes ESI the industry leader.

What's New

ESI Fact Sheet Revised and Available Online    
"Keeping Your Funds Safe and Secure for Generations," an ESI fact sheet, is now posted on the ESI website. This updated document highlights pertinent information about the corporation and its additional deposit insurance program available to credit unions. It replaces the previous, "Your Financial Security" fact sheet, and this new version can be downloaded by clicking here or by logging onto the Policyholder section of this website.

ESI Offices Closed on Labor Day   
In observance of the Labor Day holiday, Excess Share Insurance Corporation (ESI) offices will be closed on Monday, September 1st. Normal office hours will resume on Tuesday, September 2nd.

Cornerstone Leadership Conference & Expo   
The 2014 Cornerstone Leadership Conference & Expo is set for September 4-6, at the Marriott Rivercenter in San Antonio, TX. Excess Share Insurance Corporation (ESI) is exhibiting at booth #219 during Expo hours on Thursday, September 4th. Plus, be sure to attend ESI's vendor session presentation, "Maximum Deposit Insurance," on Friday, September 5th from 10:15-11:45AM.

ESI Adds to Audit/Examination Staff 
Kurt Loose, Vice President of ASI's Examination & Insurance Department, has announced the hiring of a new employee to his audit staff. Lauren Little has joined ASI/ESI as a Staff Auditor, effective June 30, 2014. Lauren is a recent graduate of Bowling Green State University where she earned a Bachelor of Science degree in Business Administration (specialization in Accounting and Finance), as well as a Masters of Accountancy degree.

ESI-insured CU Announces Merger 
The merger of ESI-insured 1st MidAmerica Credit Union (Bethalto, IL) and Laclede Community Credit Union (Alton, IL) has been approved by the board and membership of Laclede Community CU. The merger is effective May 31, 2014, and the ESI policyholding 1st MidAmerica CU will be the continuing credit union.


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