Insured depository accounts - Your Shares (savings), Share Draft (checking), and Share Certificates (CDs) are insured up to $250,000.00 per depositor through the National Credit Union Association (NCUA).Credit Disability Insurance on loans - Offered on a member's pay basis. The premium is added to monthly loan balances. If the member becomes sick or injured, the insurance starts paying after the 14th day (not retroactive for the first 14 days) until the member returns to work.