* Members' accounts insured up to $100,000

* IRA's insured separately up to $250,000

* The NCUA examines, supervises and insures

   both federally-chartered and qualifying

   state-chartered credit unions

* Credit Unions, on average, have higher reserves

   than banks

* Credit Unions do not make a practice of offering

   high-risk loans and are not part of the sub-prime

   mortgage crisis

* Not one penny of insured savings has ever been

   lost by a member of a federally insured credit union