Excess Share Insurance

The Credit Union Advantage

Give your members what they want and need: the peace of mind that comes with added protection.

Excess share insurance is a powerful tool that helps credit unions attract new deposits, protect what they already have, and retain their largest accounts.

Find Out More About Excess Share


Excess Share Insurance

The Credit Union Advantage

Give your members what they want and need: the peace of mind that comes with added protection.

Excess share insurance is a powerful tool that helps credit unions attract new deposits, protect what they already have, and retain their largest accounts.

Find Out More About Excess Share

Choose the Coverage Plan That Works for You

ESI allows qualifying credit unions to customize the protection provided to members with deposit account balances in excess of $250,000. Excess share coverage means flexibility for you, and added security for your members.

Double Cover

Enhance the protection offered to your 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 (Not available in the state of Washington).

Custom Cover

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

Questions about excess coverage? Call us at 800-521-6342 or drop us a line.

Innovative Deposit Solutions Since 1994

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.

MEMBERS’ ACCOUNTS ARE NOT INSURED OR GUARANTEED BY ANY GOVERNMENT OR GOVERNMENT-SPONSORED AGENCY.

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