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This provides deposit insurance for credit unions in much the same way as the FDIC provides insurance for banks. Look for the NCUA logo at your credit union's teller stations. The standard maximum limit is $250,000 per individual account holder, per federally insured credit union. (To check on whether your credit union accounts are fully covered, use NCUSIF's coverage estimator at http://webapps.ncua.gov/ins.)
In addition to our branches, Spectrum members have access to: 7,200+ CO-OP Shared Branches. Conduct transactions at other credit union branches as if you were at a Spectrum branch. 85,000+ surcharge-free ATMs. Make up to eight withdrawals a month from a surcharge-free network ATM at no charge. Make unlimited deposits at ATMs within the CO-OP ATM network.