Your money is safe at MSEFCU. Each account is insured up to $250,000 (maybe more based on different ownership rights) by the National Credit Union Administration (NCUA), a U.S. Government agency and backed by the full faith and credit of the United States Government.
Individual Retirement Accounts are insured separately up to $250,000 by NCUA.
Generally, if a credit union member has more than one account in the same insured credit union, those accounts are added together and are insured up to at least $250,000. However, there are exceptions. The NCUA Insurance booklet gives a more detailed explanation of insurance coverage, or visit the NCUA Share Insurance estimator.