How to Get FDIC and NCOA Insurance for Credit Unions

FDIC and NCOA Insurance for Credit Unions How It Works. Susie, this next question is from Sammy. He has an account at a bank with six CDs and a savings account. The total value is $450,000. I just put all the accounts in our revocable trust. This would be higher protection for the balance. But she informed me that we're only covered for 250,000 because it's considered one account versus a joint account. Should I put half the money in the trust? Please help me.