Most CDs are FDIC-insured, but this isn’t always the case. Learn how and when FDIC coverage applies to CDs and discover what types of CDs are not insured.

How pass-through FDIC insurance works Pass-through FDIC insurance covers deposits a third party makes in your name at an FDIC-insured bank. Third parties are anyone who acts on your behalf, such ...

As a saver, you receive up to $250,000 of FDIC coverage per depositor, per bank, per account ownership type. So if you have up to $250,000 at one bank, spread across your checking, savings and CD ...

Let's say you and your spouse jointly own a $350,000 CD and a $150,000 savings account at the same FDIC-insured bank. In this case, the two accounts would be added together and insured up to ...

Coverage limits The FDIC insurance coverage limit at most banks is $250,000 per depositor, per bank, per ownership category. Ownership categories include single accounts, joint accounts and trust ...

CDs are FDIC insured up to $250,000 per person, per bank. Find out how to ensure you'll get full FDIC insurance coverage when investing your money in a CD.

If the cash in your bank is FDIC insured, you can relax By ABC News September 29, 2008, 7:46 PM ...

Both federal agencies protect consumer deposits at federally insured financial institutions. The difference is that the NCUA backs credit unions, and the FDIC covers banks.

The FDIC has protected American bank customers for over 90 years; in that time, no one has lost a penny of FDIC-insured funds. But remember, FDIC insurance has its limits.

What this means is if you have less than $250,000 in your account at an FDIC-insured U.S. bank, you don’t need to live in a constant state of panic. Your money should be safe in the bank.