NCUA Insurance
Credit Unions, which function as not for profit, non market based financial cooperatives, have remained well capitalized nationwide and are in particularly good condition in Texas, even amidst the current economic crisis. Credit unions are owned by the members and are not publicly traded on Wall Street. As such, they remain largely insulated from severe market swings. In addition, members deposits are safe and sound, secured by a federal deposit insurance fund established for credit unions specifically and that fund remains healthy. Deposits are now insured up to $250,000, and up to $250,000 for retirement accounts. Check out NCUA's website for information and resources to help you better understand why your mind can be at ease when it comes to the soundness of your funds.

Disaster Preparedness and Response
In staying compliant with the National Credit Union Administration, please be advised with the following information on the steps to contacting the Credit Union in the event of a disaster. The level of disaster will determine the best means of communication. If you know of, or suspect, that a disaster has occurred, first call the Credit Union. There is a possibility the phone lines could be down, so if no one answers, check the website of latest updates. There is a possibility that the internet would be inaccessible to staff to complete updates, so if the website has not been updated with the latest information, tune into news channels 8 (WFAA), 4 (KDFW), or 5 (KXAS) or radio news channels 820 AM (WBAP), 1080 AM (KRLD), or contact the Fort Worth Star Telegram. One or all of these local media will be contacted in the event of a severe disaster. if you have any questions or concerns regarding the Disaster Preparedness and Response Plan, please contact the Credit Union.

Funds Availability Policy
Our general policy is to allow you to withdraw funds deposited into your account on the first business day after the day we receive your deposit. Funds from electronic deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the second business day after the day of deposit.

Shared Branch Members: Funds deposited may not be immediately available. Check with your credit union for funds availability information.

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