Investment Solutions
Fixed guaranteed rates, 100% principal protection, and the only SPGA solution that includes a full Master Working Document for your board, examiners, and supervisory committee.
Core Product
Single Premium Guaranteed Annuities built for credit union balance sheets. Predictable income, zero market risk, and complete governance documentation from day one.
100% principal protection — no market exposure
Fixed guaranteed rates for the full term
10% annual liquidity without surrender charges
Flexible 2 to 7 year guarantee periods
Tax-deferred compound growth
Flexible accounting classification for regulatory compliance
Current Rates
| Term | Guaranteed Rate |
|---|---|
| 2 Year | 5.10% |
| 3 Year | 5.25% |
| 5 Year | 5.40% |
| 7 Year | 5.50% |
Rates current as of March 2026. Subject to change. 10% annual liquidity. No market exposure.
Executive Benefits
Competitive executive benefit programs designed for credit unions — fully compliant, board-ready, and structured to support long-term talent strategy.
Tax-advantaged deferred compensation plans that allow credit union executives to set aside income beyond standard retirement limits.
Bank-owned and credit union-owned life insurance for key person coverage, tax-advantaged growth, and executive benefit funding.
Custom SERP and 457(f) programs designed to attract and retain top credit union leadership with competitive long-term benefits.
Board-Ready Documentation
A complete Master Working Document customized for your credit union — from board cover note to examiner Q&A. No other SPGA provider includes this.
Schedule a 15-minute overview. We'll walk through the governance documents, current rates, and how the implementation works.