{"id":3187,"date":"2024-05-22T06:00:00","date_gmt":"2024-05-22T13:00:00","guid":{"rendered":"https:\/\/www.cdvalet.com\/blog\/?p=3187"},"modified":"2025-12-17T11:50:16","modified_gmt":"2025-12-17T19:50:16","slug":"calculate-your-cd-insurance-coverage","status":"publish","type":"post","link":"https:\/\/www.cdvalet.com\/insights\/calculate-your-cd-insurance-coverage\/","title":{"rendered":"Calculate Your CD Insurance Coverage"},"content":{"rendered":"\n<p>You\u2019re ready to open a <a href=\"https:\/\/www.cdvalet.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">certificate of deposit<\/a> (CD) now that you\u2019ve found the rate and term that align with your savings goals. But there\u2019s one more thing to consider, ownership. &nbsp;<\/p>\n\n\n\n<p>Most banks and credit unions offer <a href=\"https:\/\/www.cdvalet.com\/blog\/fdic-vs-ncua-whats-the-difference-and-is-one-potentially-better-than-the-other\/\" target=\"_blank\" rel=\"noreferrer noopener\">FDIC and NCUA insurance<\/a> on deposit accounts up to $250,000 per depositor based on the ownership of the account \u2013 in this instance, a certificate of deposit. Bank account ownership identifies who owns an account, who can transact on the account, and what happens upon death of the account owner. The FDIC and NCUA use ownership, not account type, to determine insurance limits.\u00a0\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Insurance Calculator Estimators\u00a0<\/h2>\n\n\n\n<p>The <a href=\"https:\/\/edie.fdic.gov\/calculator.html?\" target=\"_blank\" rel=\"noreferrer noopener\">FDIC\u2019s Electronic Deposit Insurance Estimator (EDIE)<\/a> and <a href=\"https:\/\/mycreditunion.gov\/insurance-estimator\" target=\"_blank\" rel=\"noreferrer noopener\">NCUA\u2019s Share Insurance Estimator<\/a> are calculators that illustrate how insurance rules and limits apply to your specific deposit accounts at each bank or credit union. Based on the account ownerships you enter into the calculator; the calculator will provide what is insured and what portion (if any) exceeds your insurance limit at that specific financial institution.\u00a0\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What accounts are insured?&nbsp;<\/h2>\n\n\n\n<p>The calculators estimate insurance coverage on deposit accounts offered by an FDIC or NCUA-insured bank or credit union holding an account in one of the following ownership categories:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Single accounts \u2013 no beneficiaries&nbsp;<\/li>\n\n\n\n<li>Joint accounts \u2013 no beneficiaries&nbsp;<\/li>\n\n\n\n<li>Payable on Death\/In Trust For accounts \u2013 with beneficiaries&nbsp;&nbsp;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.cdvalet.com\/blog\/fdic-insurance-trust-accounts-update-coming-in-april-what-you-should-know\/\" target=\"_blank\" rel=\"noreferrer noopener\">Revocable and Irrevocable trust accounts (Formal Trusts)<\/a>&nbsp;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.cdvalet.com\/blog\/dont-wait-until-april-to-make-your-ira-contribution\/\" target=\"_blank\" rel=\"noreferrer noopener\">Individual Retirement Accounts (IRAs)<\/a>&nbsp;<\/li>\n\n\n\n<li>Business accounts&nbsp;<\/li>\n\n\n\n<li>Government accounts&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>By opening accounts under different ownerships, you can gain insurance coverage for amounts greater than $250,000.&nbsp;&nbsp;<\/p>\n\n\n\n<p>For example, if you open a CD with joint ownership, and a CD with you as the owner with a named death beneficiary, your insurance coverage would be up to $750,000, based on the two different ownership categories of joint and payable upon death.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What You Need to Calculate Coverage&nbsp;<\/h2>\n\n\n\n<p>You will need the following information to calculate the coverage for your CD:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bank name&nbsp;<\/li>\n\n\n\n<li>Owners and beneficiaries of the deposit accounts&nbsp;&nbsp;<\/li>\n\n\n\n<li>Ownership category per the above list&nbsp;&nbsp;<\/li>\n\n\n\n<li>Account balance&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>You can print or download the insurance calculations for your files. Most financial institutions will help you with the insurance calculators if you have questions.&nbsp;<\/p>\n\n\n\n<p>Once you choose one or more ownership categories and have confirmed your insurance coverage, you\u2019re on your way to <a href=\"https:\/\/www.cdvalet.com\/blog\/what-to-consider-and-what-youll-need-to-open-a-cd\/\" target=\"_blank\" rel=\"noreferrer noopener\">opening your CD account<\/a>.&nbsp;&nbsp;<\/p>\n\n\n\n<p><em>Disclaimer: This is not intended as legal advice. Please consult your financial planner to understand how these topics may affect your individual financial situation.\u00a0\u00a0<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You\u2019re ready to open a certificate of deposit (CD) now that you\u2019ve found the rate and term that align with your savings goals. But there\u2019s one more thing to consider, ownership. &nbsp; Most banks and credit unions offer FDIC and NCUA insurance on deposit accounts up to $250,000 per depositor based on the ownership of [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":3189,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_eb_attr":"","_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":"","_links_to":"","_links_to_target":""},"categories":[30],"tags":[],"class_list":["post-3187","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cd-basics"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Calculate Your CD Insurance Coverage - CD Valet CD Insurance - Everything you Need to Know to Calculate your coverage.<\/title>\n<meta name=\"description\" content=\"You\u2019re ready to open a certificate of deposit (CD) now that you\u2019ve found the rate and term that align with your savings goals. 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