Many people believe they are limited to only $100,000 of their deposits insured by the FDIC at one institution. However, FDIC insurance is based on different categories of account ownership.
The standard limit on FDIC insurance is $100,000 per depositor, and $250,000 for certain retirement accounts per insured bank.
Deposits maintained in different categories of legal ownership at the same bank can be separately insured. Therefore, it is possible to have deposits of more than $100,000 at one insured bank and still be fully insured.

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Subject to credit approval. Rates for the home equity line of credit are based on WSJ Prime index and are as low as Prime + .75%. (5.75% Annual Percentage Rate (APR) as of 6/26/2008) The actual rate you receive depends on credit qualifications. Applies to owner occupied property and loan to value (LTV) of 90% or less. Rates may vary, but will never be higher than 18.0% APR. Applicable insurances, acceptable appraisal and title search required. Minimum line amount is $5,000. Borrower is responsible for a $50 annual fee after the first year. If closed within 36 months, an early termination fee of $350 is applicable. Terms and conditions are subject to change without notice. Consult your tax advisor regarding the deductibility of interest.