Resource Links

The links listed below are to services and sites that are of interest to RTN Federal Credit Union members. These links will take you away from our site. Click the "Back" button on your browser to return to the RTN FCU website. This page contains hyperlinks to World Wide Websites that are created and maintained by other organizations that may be of interest to you. RTN FCU does not necessarily endorse the views expressed on these Websites and we do not guarantee the accuracy or completeness of any information presented on these sites. Visitors should be aware that other sites which are linked from the RTN FCU website may use persistent cookies that track visitor viewing habits.

Accidential Death and Dismemberment
The Credit Union is pleased to offer basic coverage up to $2,000 — at no cost — for each member of the Credit Union. Additional coverage above this amount is available for pennies per day. Get more information and/or enroll now.

Whole Life, Disability & Critical Illness Insurance
We are now offering a new benefit to our members - the Family Security Plan. This insurance program offers our members access to low cost whole life, disability and critial illness insurance.
The Family Security Plan Program features:

Premiums that never increase and death benefits that never decrease
A policy that accumulates cash value
Death benefits that can help your family compensate for lost income and assist in paying bills.

Visit the Family Security Plan program website for more information.

Auto and Homeowners Insurance
Obtain a free online quote for discounted auto and/or homeowners you have available as a member of the Credit Union through Members Insurance. You may also call 1-888-589-6002...and be sure you mention your membership in RTN Federal Credit Union.

Vehicle Extended Warranty
Purchase an extended warranty protection plan through Members AutoCare compared to purchasing one through the "dealer."

Share Insurance Protection
The Credit Union offers two layers of insurance protection for members: The National Credit Union Administration (NCUA) and the Massachusetts Credit Union Share Insurance Corporation (MSIC).

Member savings accounts — including the main share, checking, certificates, money market, club and IRA account — are insured to legal limits by the National Credit Union Administration (NCUA). The signing of the "Emergency Economic Stabilization Act of 2008" by President Bush increased the insured amount from $100,000 per insured account to $250,000 effective October 3, 2008, through December 31, 2009. The increased coverage is automatic for all RTN Federal Credit Union members.

The NCUA is the federal agency that charters and supervises all federal credit unions and insures our member savings through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government.

The Credit Union also offers members additional protection on amounts above NCUA-insured levels by the Massachusetts Credit Union Share Insurance Corporation (MSIC). Members receive the additional coverage via this private insurer automatically. The total insured amount increases significantly through this combination: for example, individual accounts receive an additional $350,000 in total coverage and joint accounts receive an additional $700,000 in protection.

To ensure funds are fully protected, depositors should understand their share insurance coverage limits. The NCUA provides separate insurance coverage for shares held in different ownership categories such as single accounts, joint accounts, Individual Retirement Accounts (IRAs) and trust accounts.

NCUA share insurance coverage limits are as follows:

Single accounts (owned by one person)
Joint accounts (owned by two or more persons)
IRA and certain other retirement accounts
Trust accounts

$250,000 per owner
$250,000 per owner
$250,000 per owner
$250,000 per trustee per beneficiary

The following is a simplified example of the NCUA coverage reviewed above:

Amount
$ 250,000
$ 500,000
$ 250,000
$ 250,000
$1,000,000

Owner(s)
Single account (Husband)
Joint account (Husband and wife)
IRA account (Husband)
IRA account (Wife)
Revocable trust account (Husband and wife, trustees, for Son and Daughter, beneficiaries)

$2,250,000 Total NCUA insurance coverage

This example is provided for illustrative purposes only. Please ask to have your account reviewed for a coverage analysis specific to your situation.

Click here for examples on how your funds at RTN Federal Credit Union are insured by NCUA and MSIC.

For more information on your RTN Federal Credit Union account, or on your NCUA and MSIC insurance, please speak to any Credit Union representative or contact Thomas Weikle, Director of Communications (1-800-338-0221, ext. 9830; tweikle@rtn.org) or Joseph Connors, Vice President, Marketing,(1-800-338-0221, ext. 9850, or jconnors@rtn.org).

You may also obtain additional information by accessing the NCUA's Share Insurance Tool Kit.