Protecting your savings with the highest level of insurance
available is one of our highest priorities.

That is why we combine your federal deposit insurance coverage with excess deposit protection from Excess Share Insurance (ESI), a subsidiary of American Share Insurance, the nation's largest private deposit insurer for credit unions.

Your accounts are currently insured to a limit of $100,000 per member by the National Credit Union Administration (NCUA), an agency of the federal government. Additionally your board of directors has chosen to provide up to an additional $250,000 of savings protection to each account through ESI.

Excess share insurance is available only to qualifying credit unions meeting rigid underwriting requirements and providing monthly financial information to ESI, including a listing of members qualifying for this added insurance. Its excess share insurance coverage applies to any account with us currently subject to the maximum level of $100,000 federal coverage.

An Example of Coverage

ESI's insurance coverage is limited only by the number of federally insured accounts you have.

For example, if you have two credit union savings accounts, a regular savings account and an IRA, each of these is covered separately by federal insurance up to $100,000. Each would also be eligible for ESI's excess coverage of $250,000 per account. Therefore your accounts would have a combined total coverage of $700,000.

Security With ESI

Operating nationally, ESI has taken great care to maximize the geographic and occupational diversity of its membership. This diversification combined with sound insurance principles, offers its members greater security in times of economic downturns.

Either Ohio Valley FCU or Excess Share Insurance can terminate this excess coverage, but in either case, ESI requires that you be notified of any change in the insurance on your accounts.

If you are uncertain about either the nature or the amount of your savings insurance protection, please contact us. You are also welcome to contact ESI via e-mail, or through their Web site, or write or phone them:

ESI
5656 Frantz Road.
Dublin, OH 43017
614-764-1493