are roth iras insured 
if your account is located at a bank be aware that iras fall under a different insurance category from conventional deposit accounts therefore coverage for ira accounts is not as robust the federal deposit insurance corp fdic still offers insurance protection up to 250 000 for traditional or roth ira accounts but account balances are combined rather than viewed individually 14for example if the same banking customer has a cd held within a traditional ira with a value of 200 000 and a roth ira held in a savings account with a value of 100 000 at the same institution then the account holder has 50 000 of vulnerable assets without fdic coverage 