Settlers Federal Credit Union is insured through the NCUA (National Credit Union Association -an independent federal agency created by the United States Congress). Deposits in Non-IRA accounts are insured to $250,000.00. IRA accounts (Individual Retirement Account) are insured for an additional $250,000.00. Dividends on our share accounts are paid quarterly. Dividends can be deposited back into any account at the Credit Union the member wishes to designate. We offer the following share accounts: