If you have more than that to deposit, you can spread your accounts among several credit unions or structure the ownership of your accounts differently. (valuepenguin.com)
If you are dealing with sums larger than that, you may need to spread the accounts across multiple banks or brokerages to maintain the levels of insurance required. (money.stackexchange.com)
But you can always spread your accounts around, even in the same bank, so they all have enough coverage. (savingsaccounts.com)