Excess Share Insurance Reminder Like many financial institutions, ICCU is federally insured. But unlike most banks, deposits at ICCU are insured beyond the initial NCUA limit of $250,000 by Excess Share Insurance. If you have deposits in excess of the federal insurance limit, ICCU will be happy to work with you to arrange for your deposits to be 100% insured regardless of amount (in most cases). Let us know how we can help you better protect your money.