Who is responsible if a employees at credit union stole money?

Answer 1

The employee of the credit union obviously, who would no doubt have criminal charges brought against thtem.

The depositor would lose no money's nor would the credit untion. While the credit union might bear some liablility for the hiring, and/or lack of supervision of the employee, these types of liabilities and losses are insured, and seldom if ever, become liability issues for which the depositer might sue for damages.