Each member's funds are insured up to at least $100,000 by the National Credit Union Administration (NCUA). Individual Retirement Accounts are separately insured up to an additional $100,000. The NCUA is the independent agency of the U.S. Government responsible for managing the National Credit Union Share Insurance Fund (NCUSIF). The NCUSIF was established by Congress in 1970 to insure member share accounts against loss within specified legal limits.