What does FDIC insured refer to in the United States? a) The money market funds are insured by the federal government up to $150,000. b) The interest on commercial deposits in commercial banks is insured by the U.S. government up to their face value. c) The funds on deposit in a financial institution are insured by the U.S. government up to $250,000. d) Municipal funds are insured by the federal government up to $200,000