With the news recently full of concerns about the mortgage crisis and the prospects for bank failures, you can feel safe and secure when you keep your deposits at USA Credit Union.

USA Credit Union has you protected
USA Credit Union is a financially sound institution with a strong reputation for protecting each and every member’s financial interests.

• We have a high capital-to-asset ratio. This provides sufficient resources to meet the ups and downs of the economy.
• We exist to serve our members. This means that we are not under pressure from stock analysts and to take on additional risks, like those seen in the mortgage sub-prime market, to maximize short-term earnings.
• We are professionally managed and regulated. The Michigan Office of Financial and Insurance Regulation conducts annual audits of the Credit Union’s operations. USA Credit Union has received excellent ratings each and every year from these audits.
• We are highly rated. We have consistently received a five-star Bauer Financial Rating for safety and soundness of our overall company finances.

Federal Insurance Protection Strong
You also have peace of mind knowing that member deposits in your credit union are federally insured by the NCUA, through the National Credit Union Share Insurance Fund (NCUSIF). NCUSIF is backed by the full-faith and credit of the United States Government. USA Credit Union members have federally insured funds and should rest assured that their deposits are safe up to at least $100,000 per account, with additional coverage of up to $250,000 for certain retirement accounts. Not one penny of insured savings has ever been lost by a member of a federally insured credit union.

The NCUA has set up an Insurance Call Center, operating from 8 a.m. to 6:30 p.m. (EDT) Monday through Friday. Insurance experts are available to answer questions about the coverage provided by NCUA share insurance. The toll-free Insurance Call Center number is 1-800-755-1030, extension 1.

The NCUA also has an electronic tool kit that contains a variety of useful information on share insurance coverage.