A Message from the Manager

"BANK FAILURE" - These two little words are putting fear into the hearts of depositors all over the country.

DARIGOLD FEDERAL CREDIT UNION IS SAFE & SOUND.

. Darigold Federal Credit Union is strong, secure, and well-capitalized.

. Darigold Federal Credit Union's loan portfolio is healthy. The Credit Union does not offer first mortgages; therefore, we did not engage in subprime mortgage practices. The Credit Union does not offer business loans, payday lending services, or credit cards.

. We have remained true to the charter established in 1952; the Credit Union's membership is and always has been primarily for Darigold employees and their family members, along with the residents of the neighborhood in which our office is located.

All shares are federally insured by NCUSIF up to at least $250,000 per account, with additional coverage for joint accounts, trust accounts, and IRAs. The National Credit Union Share Insurance Fund (NCUSIF) protects members against losses if a federally insured credit union should fail. You can confidently join and conduct business with federally insured credit unions because no member has ever lost money insured by the NCUSIF. The National Credit Union Administration (NCUA) regularly reviews the operations of all federal credit unions and only those credit unions with sound operational standards qualify to receive NCUSIF coverage.

If you have any further questions about your Darigold Federal Credit Union account, please feel free to contact our office at any time, or visit the link below:

http://www.ncua.gov/ShareInsurance/Index.htm