My info is from memory 20 years in the past, no fdic insurance for them back then. I'm not sure of that knowledge since it was word of mouth back then when I was less internet savy. I do also think community investment with good people that have a decent business like a small store when covid, Walmart is the only other option then the small in town stores that don't have high prices are great investments if they are family owned and you know the family is a great insurance for your town. Also one that uses local good family farms for a lot of their stock is also a great place to invest to make sure the farm is there for you when the times of less food hit then your town has a supply of some food at least.