Article: afeguarding IRAs in difficult times; Retirement accounts are federally insured up to $250,000 per bank.(IRA Alert)

Byline: Ed Slott

Worries about bank failures and the stability of other financial institutions are all over the news lately. Clients with individual retirement accounts at a bank might be concerned about them. But .

Congress raised the limit from $100,000 in 2006. (For non-retirement accounts, the Federal Deposit Insurance Corp. or the National Credit Union Administration limit remains at $100,000.)

The $250,000 limit for federal deposit protection applies to retirement accounts at banks and savings associations insured by the Washington-based FDIC as well as credit unions insured by the Alexandria, Va.-based NCUA. The insurance coverage applies ...

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