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Eliminate employee benefit costs forever

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Trusted by credit unions nationwide to grow

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+
in investment assets.

Liberate your credit union from employee benefit costs – we can show you how.

Historically, credit unions have been limited to low-yield investment options such as stocks and bonds. These traditional investments, while stable, have constrained your ability to generate meaningful returns.

NCUA reg. 701.19 expands investment capabilities, allowing your credit union to access higher-yield opportunities–provided the additional income is used to benefit employees.

This regulatory advantage is what enables Credit Union Benefit to generate superior returns for our clients while ensuring sustainable financial growth.

Popular 701.19 Investment Options

Executive insights for

CEO
CEO

If your board has invested in a life insurance-based COLI, you may be missing out on 2-3X the potential returns.

By reallocating funds into NCUA-compliant investments, you can maximize executive benefits while avoiding the 25% net worth cap restrictions associated with life insurance policies.

Support through every step and beyond.

See how we can support your transition into high-yielding investments, satisfy your auditors and significantly reduce your overall compensation costs.

Evaluate

During this critical first step, we will meet to assess and document your current investments, understand the extent of your existing benefit costs and identify your program goals.

Investment performance

Why Credit Union Benefit

Proven ability to cover employee benefit costs with investment yields

Recommended investment types have generated a minimum of 6-8% per year. Our ongoing experience, historical knowledge of investment performance and the unique needs of the credit union industry position us above all others.

During our discussions we will identify your goals, review your NCUA reported financials, and present various investment scenarios that align with your goals.

Our team has more than a dozen years serving credit union investment needs with certifications that include Certified Financial Planner (CFP), Accredited Asset Management Specialist (AAMS), Chartered Retirement Plan Specialist (CRPS), and Life and Annuity Certified Professional (LACP) designation. Our team also holds Series 7, 22, 24, 51, 63, and 65 accreditations.

Although we partner with multiple, A-rated investment companies, we only recommend products that are the best fit for the credit union based upon their goals, risk tolerance and liquidity. We do not represent any particular investment company’s products.

For COLI conversions to the TBP program or changing investment practices for the purpose of funding employee benefits, some credit unions require board approval. We have a very high success rate with board presentations and lay out financial scenarios in a very simple, yet, fact-based manner.

100% of all clients who have gone through an NCUA audit on their TBP program have passed with flying colors since our inception in 2019.

There is no cost for CUB designing, implementing or managing your plan. Depending on the strategy chosen, CUB is compensated in one of two ways:

  • Insurance company or investment provider pays CUB a commission at no cost to the credit union. (90% of cases)
  • CUB charges a percentage of the plan for fee-based solutions. (10% of cases)

Credit Union Benefit is NOT a benefits provider. Our goal is to create a solid investment program that will enable you to cover your employee benefit costs (and their annual increases) with investment yields. We do, however, work directly with your benefits provider to determine additional options and strategies based upon your program’s investment yield performance.

Over time, yields may exceed what is necessary to cover traditional benefit costs. In those scenarios, you can apply the surplus to fund additional benefits that will resonate with employees (i.e. increasing 401k matches).

"I appreciate Credit Union Benefit’s ability to think outside the box and craft an investment plan that benefits not only our employees, but the credit union as a whole. We have been using CU Benefit since 2020 and with their assistance have passed multiple NCUA audit exams."

Steven Adee
President / CEO

Utilize CUB's Pillars of profitability and performance to establish your path forward.

See how higher-yielding investments, underperforming product conversions and more robust coverage for employees and executives is made possible.

Let's get you started!

Put your credit union on a path to prosperity. Request a meeting with one of our senior investment advisors.

Having trouble with the form? Email us at tony.streeter@totalbenefitprefunding.com

Please provide two available dates and times to meet.

Once you submit your request, you will receive a Teams invitation for one of your chosen dates and times. The meeting will be with a senior investment advisor who has reviewed your NCUA-reported financials.

Dallas, TX

Copyright 2026.

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How It Works Program Pillars Total Benefit Prefunding Solution Defined 2-3X Higher Rates than COLI for Key Executives Addressing Underperforming Investments (CDs, Bonds)
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