Yabelana ngomshuwalense kwiZivumelwano zeMatyala
Ukuba uyaqhelana ne- inshurensi ye-FDIC, i-inshurensi ye- NCUSIF ifana ngokufanayo: zombini iifom zokuxhaswa zixhaswa nguRhulumente wase-US, kwaye ngoku ziqinisekisa ukuya kuma-250,000 kwi-akhawunti nganye kwiziko le-akhawunti. Ngenxa yoko, ukuba unayo i-$ 5,000 kwi-savings kwaye kukho ukuhluleka okanye ukuphanga , uya kufumana yonke imali yakho (ngokuqhelekileyo kwiintsuku ezimbalwa). Oku kwenza i-credit union kunye ne-akhawunti yebhanki phakathi kweendawo ezikhuselekileyo zokugcina imali yakho.
Iinkcukacha zoBanzi
I-NCUSIF igubungela idilesi kwi "akhawunti" yakho. Eli lizwi lesiganeko sekhredithi kwiimali ezigcinwe kwaye zilawulwa yi-credit union:
- Ukujonga i-akhawunti - yakho yokuchitha kwansuku zonke kunye ne-akhawunti yokuthengiselana
- I-akhawunti yokulondolozwa - "indawo yokubamba" yakho yeemali ongafuneki ukuyisebenzisa kwikamva elizayo
- Iimali zeemarike zemali - ezihlawula umdla kwaye zivumela ukuchitha imali
- Izatifikethi zeDistim (iiCD) - ezihlawulela ngakumbi xa uzibophelela ukushiya imali yakho kunye nomanyano wekhredithi
Gcina ukhumbule ukuba ungathenga okanye utyalole kwezinye iindidi zeemveliso ngaphakathi kweendonga ze-credit union yakho. Nangona kunjalo, ezo mveliso azihlali zihlala zijongene nokukhuselwa kwe-NCUSIF. Ngokomzekelo, amasheya, iibhondi, iimali ezidibeneyo (kuquka iimali zemarike zemali), kwaye okubhalwe kwibhokisi yakho yokukhupha ikhuselekile ayihlanganiswa yi-NCUSIF kwaye unokulahlekelwa yimali kunye nezixhobo.
I-NCUSIF ifumaneka kuphela kwimanyano yamatyala e-insured , alawulwa yi-National Credit Union Administration (NCUA). Kukho ezinye iindidi zemanyano zemali-mboleko, ezinye zazo zisebenzisa i-inshurensi yabucala (nto leyo engeyona into embi, kodwa ayikhuseli njenge-NCUSIF). Khangela i-NCUA ipakethi kwi-yunithi ye-credit union okanye kwi-intanethi.
Inani leMboleko
Ukuqonda ukuba ubuninzi obunokubakho bungabakho bunzima. Ukuba ufuna ukukhuseleka, cinga ukuba ufihliwe ukuya kuma-250,000 kwi-union union insured. Ukuba unako ngaphezu koko, ungagcina umgqithiso kwi-union ehlukeneyo yekhredithi.
Nangona kunjalo, usenokungekho isidingo sokusebenzisa ngaphezulu kweyunyunyana. Umyinge wama-250,000 umda ngamnye ngumnini-akhawunti (okanye "ukubhalisa," ukuba ukhetha), kwaye unokuba neengxelo ezibizwa ngamagama amaninzi ahlukeneyo:
- I-akhawunti nganye
- Akhawunti edibeneyo
- I-akhawunti yeRhafu yomhlala-phantsi (IRA)
- Iakhawunti yomhlalaphantsi yaseKeogh
Inye yalezi zihloko ze-akhawunti zifumana i-$ 250,000 yazo, ngoko unako ukufikelela kwisigidi esinye sezigidi zemali kwi-credit union. Indlela eyona ndlela yokufumana ukuba unobungakanani bokuba unxibelelwano nomqeshwa we-credit union kwaye usebenzise umlinganisi we-inshuwalense yengxenye ye-NCUA (i-calculator ye-intanethi yokugqiba iinzuzo zakho).
Iindleko ze-Inshorensi
Intshuwalense ye-NCUSIF ikhululekile - akukho mali ehlukile kwi-akhawunti yakho kwaye akudingeki ukuba ubhalise. Ukuze kube ngokuchanekileyo, ukufakwa kwenkxaso kubandakanya nayiphi na i-akhawunti ye- deposit (ezinye i-akhawunti ayiqinisekisiwe-yabona ngasentla) kumanyano wemali-mboleko yemali-mboleko, kodwa i-credit union iyakhokhela iindleko ze-inshurensi ye-deposit. Ekubeni wena, njengomnikazi weakhawunti, ungumnikazi wecandelo lekhredithi , uhlawula ngokuthe ngqo umrhumo.
Izinyunyana zemboleko zifaka isandla kwingxowa-mali ngokugcina i-1% yazo idipozithi kwiNgxowa-mali ye-Intshuwalense. I-NCUA inokuqokelela iiprayimari ezongezelelweyo xa kuvela imfuneko.
Ukuba, ngenxa yesizathu esithile, i-fund yayimile, inkokhelo ixhaswa ngokholo olupheleleyo kunye nekhredithi kaRhulumente wase-US - uNondyebo unokubonelela ngemali (ekugqibeleni ixhaswa ngabahlawuli berhafu) ukugcina yonke into. Okwangoku, i-fund ixhaswe kuphela ngamanyano ezikolo kunye kwaye akukho mali yeburhulumente efunekayo.