Depending on how your accounts are owned and what types of accounts you have, you can increase the total insurance on your funds to greater than $250,000.
Calculate the amount of your insured funds at a federally insured credit union using NCUA’s Share Insurance Estimator. The estimator can be used for personal, business, or government accounts. Personal accounts include individual ownership, joint ownership, payable-on-death (accounts with named beneficiaries), living trusts, and IRAs. The Estimator also includes an extensive Glossary of Terms and Frequently Asked Questions,
You can also read NCUA's More in-depth information on types of deposit accounts