NCUA Proposes Easier Ads for Insured Credit Unions
Published Date: 12/29/2025
Proposed Rule
Summary
The National Credit Union Administration wants to make advertising rules easier for federally insured credit unions. They’re proposing to drop some complicated ad statement rules, cutting red tape and saving money, while still keeping the official insured sign rules in place. Credit unions have until February 27, 2026, to share their thoughts on these changes.
Analyzed Economic Effects
3 provisions identified: 3 benefits, 0 costs, 0 mixed.
Credit Unions Freed from Ad Statement
If you run a federally insured credit union (FICU), the NCUA proposes to remove Sec. 740.5 so you would no longer be required to include one of the official advertising statements (for example, "This credit union is federally insured by the National Credit Union Administration," "Federally insured by NCUA," or "Insured by NCUA") in all advertisements. The proposal also revises Sec. 740.0 to remove references to the advertising statement. The Board says this change will reduce administrative burden and costs and give FICUs greater flexibility; comments are due February 27, 2026.
Official NCUA Sign Still Required
If you are a member or customer, the rule would not change the requirement that federally insured credit unions display the official NCUA sign in offices and on website pages where members can open share accounts and deposit funds. The NCUA is keeping Sec. 740.4 (official sign display) and Sec. 740.2 (advertising must be accurate and truthful) unchanged.
Small Credit Unions: No Significant Impact Certified
The NCUA expressly certifies under the Regulatory Flexibility Act that the proposed rule is narrow, purely deregulatory, and "would not have a significant economic impact on a substantial number of small credit unions." For the agency's analysis, it considers small credit unions to be those with under $100 million in assets.
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Key Dates
Department and Agencies
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