The guarantee only applies to deposits and does not apply to any form of equity or capital such as membership or investment shares.

Mutual funds and securities are investments purchased by an agent who invests in other companies on the members’ behalf. They are not deposits in the credit union so are not covered by the guarantee.

Safety deposit box contents are not covered because the box is rented from the credit union to house your personal belongings. The contents of the box are not considered deposits.

Securities held for safekeeping are also not deposits and are therefore not covered by the deposit guarantee.

Deposit losses due to circumstances not related to credit union solvency are not covered by the deposit guarantee (e.g., fraud, etc.).