FDIC certificate number
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Definition
An FDIC certificate number is the unique number the Federal Deposit Insurance Corporation assigns to an insured depository institution. It identifies the institution and is used in the issuance of deposit-insurance certificates.
In plain English
Banks and savings institutions that carry FDIC insurance have a certificate number. Public BankFind tools use that number to look up an institution’s identity and history. It is not an NMLS ID, not an RSSD ID, and not an NCUA charter number. Credit unions are identified differently.
Technical definition
FDIC BankFind documentation defines the certificate number as the unique number assigned by the FDIC to identify institutions and to issue insurance certificates. That identifier pattern matches the official RSSD and LEI identifier records.
Why it matters
US Mortgage Index lender records may show an FDIC certificate. Readers need the official identity, not a routing number.
Commonly confused with
Related terms
Sources reviewed
BankFind certificate-number definition
Source reviewedSeptember 6, 2026
Important note
An FDIC certificate number is not a credit-union charter number and not a Nationwide Multistate Licensing System identifier.
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