ESI Excess Share Insurance

We are pleased to inform you that your deposit accounts at Access are insured at double the amount the NCUA covers your account for. This exceptional level of coverage is attained through a combination of federal insurance provided by the National Credit Union Administration (NCUA) and private insurance from Excess Share Insurance Corporation (ESI). This additional coverage is automatically placed on all covered accounts and comes at NO cost to you.


You can’t have too much of a good thing

The following deposit accounts have Double Deposit Insurance:

  • Savings
  • Certificates of Deposit
  • Money Markets
  • IRA’s
  • IRA CD’s



If you have a single-owner savings account, the NCUA will insure your deposits up to $250,000. With our partner, ESI, that insurance is matched which means you are insured up to $500,000.

If you have a joint account, meaning both owners have $250,000 worth of coverage from the NCUA totaling $500,000 worth of coverage, that is also matched meaning there is now $1,000,000 worth of coverage.


Brought to you by:






Access Community Credit Union is committed to serving all persons within our field of membership, including those with disabilities. We strive to make not only our physical branches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 1-800-687-2990 so that we may promptly assist you and remedy any accessibility concerns.