Total Benefit Prefunding: Proven. Compliant. Built for Credit Unions.
Since 2019, Credit Union Benefit has helped credit unions nationwide deploy Total Benefit Prefunding, currently managing $690+ million in credit union investment assets.
Our strategy delivers:
- Higher-yield investment options
- Tailored risk-aligned portfolios
- Solutions from A-rated providers
- Full compliance under NCUA 701.19
- A direct offset to rising benefit costs
This is not a theoretical model—it’s a proven, scalable solution already strengthening credit unions across the country.
Turn Rising Costs Into Higher Returns
Your credit union doesn’t have to accept benefit cost inflation as an unavoidable drain. You can convert it into a strategic financial advantage.
Calculate your potential benefit cost offset – get a personalized projection based on your current benefit spend.
No pressure. No obligation. Just clarity on how much value you’re leaving on the table.
How It Works
We collaborate with executive teams to:
- Assess current and projected benefit costs
- Design investment strategies to match funding goals
- Model timelines for when investment yields will offset costs
- Adjust strategies as your credit union evolves
In the scenario below, a credit union invests annually for five years. By year five, investment yields cover benefit costs entirely. From year six onward, excess yields can be used to:
- Reimburse the original investment
- Fund increased benefit offerings like 100% of health insurance premiums, increased 401(k) match, better executive benefits and much more...
All within the boundaries of NCUA regulations.
"Credit Union Benefit's Total Benefit Prefunding investment approach has allowed us to be more proactive in funding and providing meaningful benefits to our employees; helping us to attract, retain, and support the people who make our mission possible every day."
Case Study: Transforming Benefit Costs into a Self-Sustaining Asset
Our client is investing $7 million annually for five years into a product with zero principal risk and zero volatility. The illustration assumes the worst historical performance of their chosen investment solution as a conservative benchmark:
-
By Year 5:
The investment yields are projected to fully cover all employee benefit costs, including a 6% annual increase—with zero reliance on additional funding.
-
Year 6 Onward:
The accumulated investments continue generating sufficient returns to permanently fund employee benefits, requiring no further contributions.
Result: The credit union becomes completely free of employee benefit costs—forever.
The Total Benefit Prefunding strategy transforms a recurring liability into a perpetual financial asset for the credit union, unlocking long-term budget flexibility and strategic freedom.
Unlock Your High-Yield Investment Options - discover which previously non-permissible assets your credit union can now access.
One conversation can unlock outcomes numbers alone can't.
Talk to a leader.
Tony Streeter
SVP, Strategic Growth
OR
→
→
