For any given taxable account in a single bank or credit union (or multiple accounts in the same name or names) FDIC or NCUA insurance covers $100,000 for an indiviudal account and $200,000 for a joint account. This would inclde CDs, savings, money, checking.
A couple can get $400,000 by having a joint account and two individual accounts, with the spouse named as beneficiary.
In addition, each person can have an individual Traditional IRA insured for up to $250,000 and, I believe, a Roth insured up to $250,000.
But you can't get around the limits by having different taxable accounts or having CDs treated separately from savings/checking/money market.
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