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Your Credit Union Accounts Are Safe, Insured Credit unions remain a safe harbor for your savings and other accounts, despite economic woes, including recent bank failures. Thanks to federal insurance, members' shares are backed by the full faith and credit of the U.S. Treasury. There's no better time to be a credit union member. Virtually all credit unions are insured by the National Credit Union Share Insurance Fund (NCUSIF), which insures savings of at least up to $100,000 per account. Certain retirement accounts such as IRAs and Keoghs benefit from additional coverage of up to $250,000. NCUSIF's equity-to-insured deposits are estimated at a strong 1.24% as of June 30, 2008, and projected to increase to 1.28% by year-end, according to the National Credit Union Administration (NCUA). Credit unions are nationally recognized for having steered clear of the subprime mortgage mess by lending responsibly and holding more of their mortgage loans--roughly 70%--in their portfolios instead of selling them on the secondary market to beleaguered Fannie Mae and Freddie Mac. Also, credit unions have a better capital-to-asset ratio--11.1% compared with 10% for banks. What does share insurance coverage mean for you? * If you have more than one single-ownership account in the same credit union, all those account balances are added together and insured in the aggregate, to the maximum of $100,000. * If you have a joint account at the same credit union, that account is insured separately from your individual account up to the $100,000 level, provided each of you has personally signed an account signature card and each of you has a right of withdrawal on the same basis. Each individual's interests in all jointly held accounts are added together and insured up to $100,000; * If you have accounts at more than one insured credit union, you have coverage up to the full insurable amount in each credit union. If your credit union has one or more branches, the main office and all branch offices are considered as one credit union; * If you have a revocable trust account, such as payable-on-death, living trust, or testamentary account, insurance coverage for each account is up to $100,000 per owner for each qualified beneficiary; and * While IRAs and Keogh accounts are insured separately from nonretirement funds, with each type insured up to $250,000, funds in traditional IRAs and Roth IRAs are added together and insured in the aggregate up to $250,000. Coverdell Education Savings Accounts are treated as irrevocable trust accounts and added in with your other irrevocable trust account funds and insured separately up to $100,000. Bottom line: Depending on how your accounts are established, funds in a federally insured credit union can be insured to a level much higher than $100,000. For more information about the specifics of your insurance coverage, visit with the professionals at Clinton County Federal Credit Union.            Members Save with   Sprint!!!!!!!!!!!!!!!!

Main Telephone:  (989) 224-9511 Touch Tone Teller: (989) 224-0745 Routing#272484836 e*Teller Login Make Your Mortgage Payment Here   Pay Your CCFCU Visa Here Visa Rewards - click here   CCFCU has partnered with Accel Members Financial Counsiling to provide our members and their families free, confidential assistance with:*Financial, budget, credit report and housing counseling*Debt management Click the Accel logo to begin your journey to a brighter financial future. Budget Smart is a free easy to use software to help you manage your money more effectively - click the BudgetSmart logo to download to your computer.    |

Clinton County FCU
1200 Zeeb Dr.
St. Johns, Michigan 48879
989.224.9511
Fax: 989.224.6596
jackie@clintoncountyfcu.org