As long as you don’t see double digits, US treasury is not yet bankrupt and can borrow to replenish FDIC.
If you start seeing double digits, it is “red alert” time and you should convert your $ to other currencies or assets since the money will be rapidly losing value.
(Last time this “red alert” was reached was during 1979-85 see http://finance.yahoo.com/q/hp?s=^TYX&a=01&b=15&c=1977&d=07&e=25&f=2009&g=m&z=66&y=0 )
