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Earning your trust. Building your future.


Recent financial news may have you wondering about the safety and security of your financial relationships. The information below may assist in providing answers to questions you may have about your deposits at San Diego Metropolitan Credit Union, as well as any other financial institutions with which you do business.  

Deposit Insurance Coverage at SDMCU

Are my deposits at SDMCU insured?
Yes, deposits at SDMCU are insured by the National Credit Union Administration (NCUA) . The name of the insurance fund is the National Credit Union Share Insurance Fund (NCUSIF).

How much is my coverage?
Our members' deposits are insured to at least $250,000 per depositor and with additional coverage of up to $250,000 for certain retirement accounts. Many members' coverage may be greater than that depending on the way accounts are set up.

We have a brochure called "Your Insured Funds" that provides detailed information on the insurance coverage. If you prefer, you may also log on to www.ncua.gov or use the Insurance Estimator to further assist you in understanding your share insurance protection.

It may be reassuring to know that not one penny of insured savings has ever been lost by a member of a federally insured credit union.

What is the financial condition of SDMCU?
You may rest assured that our Credit Union is financially stable. If you'd like to view our monthly financial statements, they are always available by selecting Financial Statements from the About Us pull down menu or click here.

Should I keep my deposits at the SDMCU?
SDMCU is financially stable, our regulatory examinations reflect safe and sound management, and our Credit Union has a strong future.

For assistance, please email or call us at 619.297.4835.

For Your Information
  • Contact a Phone Representative for assistance 619.297.4835

    Calculate Insured Deposits
    NCUA Share Insurance Estimator

    SDMCU Financial Statements
  • Click here

    Why Credit Unions Are Better
    Click here

    Your Insured Funds (PDF)
    Detailed explanation of share ins. coverage along with examples.
    Click here
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