Credit Union Insights
Expert perspectives on investment strategies, compliance, and maximizing returns for credit unions.
Why Credit Unions Are Turning to Fixed Annuities for Excess Reserves
With $2.3 trillion in credit union assets and shrinking margins, fixed annuities offer something traditional treasury products can't: guaranteed rates with zero market risk.
Fixed Annuities Under NCUA Part 703: A Compliance Roadmap
The regulatory framework for credit unions holding fixed annuity positions isn't complicated — but it does require precision. Here's exactly how it works.
What Credit Unions Should Know About Fixed Annuities in 2026
Fixed annuities remain a niche instrument for many institutions, but in the current rate environment they warrant a disciplined review as part of a broader balance-sheet strategy.
Deposit Alternatives for Credit Unions: Balancing Yield, Safety, and Liquidity
When deposit pricing remains competitive and reinvestment risk is real, treasury teams need a clear framework for evaluating alternatives without sacrificing safety or operational flexibility.
How Credit Union Executives Can Think About Yield Without Taking On Unnecessary Risk
The most effective yield decisions are rarely the most aggressive ones. They start with a clear understanding of liquidity, earnings objectives, and the institution's true tolerance for volatility.
A Practical Framework for Evaluating Longer-Term Investment Options
Longer-term investments can improve earnings stability, but only when institutions evaluate them through the lens of liquidity, governance, and portfolio role rather than headline yield alone.
MYGA Rates in 2026: What Credit Unions Need to Know
Multi-Year Guaranteed Annuities are offering 4.5–5.8% with full principal protection. Here's how the rates work, what drives them, and how to evaluate offers.
Your Credit Union's Investment Income Is About to Drop. Here's Why.
If your reserves are in variable-rate products, you're one Fed meeting away from a budget problem. The math on rate risk for credit union portfolios.
Beyond the Checking Account: How Nonprofits Can Put Reserves to Work
Most nonprofits leave operating reserves in low-yield accounts. Fixed annuities offer a way to earn competitive returns without taking on market risk.
Fixed Annuity vs. CD: A Side-by-Side for Credit Union Treasurers
Both guarantee principal and pay fixed rates. So what's the actual difference? A straightforward comparison for credit union investment committees.
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