WASHINGTON — State-chartered credit unions with CAMEL 2 ratings that are privately insured could get a refund for what they paid this year and will pay ten basis points less in premiums next year, American Mutual Share Insurance Co. announced.As a result of a decision by the company board, those credit unions will pay 1% of the value of their total shares, compared with the current rate of 1.1%At the end of this year, the company will refigure what each credit union owes and refund the difference. The company will also make its assessment for those credit unions for next year based on the new formula."This initiative by the board benefits many of our member credit unions at a time when resources are needed to aid individual members. The company is projecting a year-end equity ratio of 1.50% for the insurance fund, and the board wanted to reward those healthy credit unions that allowed us to achieve this milestone of financial stability," said Dennis Adams, the company's president/CEO.The company provides share insurance to some state-chartered credit unions in Alabama, California, Idaho, Illinois, Indiana, Maryland, Nevada and Ohio.–[email protected]