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If a bank or credit union were to fail and go out of business, you would not lose the money you have in the money market account, up to the insured amount. Distribution yields are calculated by using the most recent regular distribution, or expected distribution, which may be based on income, dividends, return of capital, and option premiums, as applicable and excluding additional year end distributions, and special reinvested distributions annualized for frequency, divided by current net asset value NAV. The Federal Deposit Insurance Corp.
