The FDIC insures $250,000 per depositor, per FDIC-insured bank, for each account ownership categoryCITE:E1. The Consumer Financial Protection Bureau (CFPB) describes the same threshold from a consumer standpoint, stating that the insurance covers accounts containing $250,000 or less under the same owner or ownersCITE:E5. Both descriptions point to the same ceiling, applied per depositor and per institution rather than as a single blanket limit.
FDIC deposit insurance covers checking accounts, savings accounts, money market deposit accounts (MMDAs), and certificates of deposit (CDs)CITE:E3. These four categories represent the deposit products explicitly named by the FDIC as falling within the $250,000 guarantee.
FDIC deposit insurance excludes mutual funds, annuities, life insurance policies, stocks, and bondsCITE:E4. The FDIC classifies these as investment products rather than deposits, placing them outside the coverage that applies to checking, savings, MMDA, and CD accounts.
No depositor has lost a penny of FDIC-insured funds since the FDIC was founded in 1933CITE:E2. The FDIC cites this as an unbroken record spanning its entire operating history to date.
Credit union members receive an equivalent baseline through the National Credit Union Administration (NCUA), which provides at least $250,000 in total coverage for share accounts held at a federally insured credit unionCITE:E6. This mirrors the FDIC's per-depositor figure but applies to share accounts at credit unions rather than deposit accounts at banks.
| Regulator | Coverage Per Owner | Institution Type | Source Date |
|---|---|---|---|
| FDIC | $250,000 (per depositor, per bank, per ownership category) | Banks | 2024-04-01CITE:E1 |
| CFPB (consumer guidance) | $250,000 or less, same owner(s) | Banks | 2023-04-26CITE:E5 |
| NCUA | At least $250,000 (total, for share accounts) | Credit unions | 2025-02-04CITE:E6 |
FDIC and CFPB describe the identical $250,000 figure for bank deposits, while NCUA sets the same baseline for credit union share accounts, indicating that the $250,000 threshold functions as a consistent floor across the two main channels U.S. savers use to hold depositsCITE:E1CITE:E5CITE:E6. The product-level boundary is equally clear: checking, savings, MMDA, and CD accounts are covered, while mutual funds, annuities, life insurance, stocks, and bonds are notCITE:E3CITE:E4. Set against the FDIC's zero-loss record since 1933, this establishes a defined and — by the agency's own account — uninterrupted scope of protection for the specific account types it coversCITE:E2.
The FDIC insures $250,000 per depositor, per FDIC-insured bank, for each account ownership categoryCITE:E1.
FDIC deposit insurance covers checking accounts, savings accounts, money market deposit accounts (MMDAs), and certificates of deposit (CDs)CITE:E3.
FDIC deposit insurance excludes mutual funds, annuities, life insurance policies, stocks, and bondsCITE:E4.
No depositor has lost a penny of FDIC-insured funds since the FDIC was founded in 1933CITE:E2.
The notable structural feature here is convergence: FDIC, CFPB, and NCUA independently land on the same $250,000 figure, one for banks and one for credit unions, which points to a unified insurance floor rather than agency-specific patchwork limits. The more consequential detail for savers sits inside the FDIC's own definition — coverage applies per depositor, per bank, and per account ownership category, so $250,000 is not a hard cap on everything held at one institution but a limit that resets across ownership categories. The concrete thing to watch is how account structuring across ownership categories interacts with that per-category mechanic, since the FDIC's own language leaves room for coverage to extend beyond a single $250,000 figure within one bank.
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