SPGA Solutions for Credit Unions
Institutional SPGAs and fixed guaranteed instruments designed specifically for credit unions and nonprofits — with executive benefit programs to attract and retain top talent.
Fixed Annuities
A low-risk investment option that provides a stated fixed rate of return—ideal for matching long-term liabilities and achieving predictable income.
- 100% principal protection from market downturns
- Contractual fixed interest rates for your elected period
- Tax-deferred growth with compound earnings
- Flexible 2 to 7 year guarantee periods
- 10% annual access without surrender charges
- Flexible accounting classification to meet regulatory requirements
Additional Products & Services
Beyond fixed annuities, we provide fixed annuity products and executive benefit programs tailored for credit unions.
Fixed Annuities
100% principal protection with competitive fixed interest rates. Multi-year terms with predictable returns — no market volatility.
Multi-Year Fixed Annuities (MYGA)
Locked-in fixed rates for your elected period. Predictable income with no market risk — ideal for liability matching and reserve optimization.
BOLI / COLI Programs
Bank-owned and credit union-owned life insurance programs for key person coverage, tax-advantaged growth, and executive benefit funding.
Executive Benefits (457(b), 457(f), SERP)
Deferred compensation and supplemental executive retirement plans to attract and retain top credit union talent. Fully compliant program design.
Customized Solutions
Our experienced investment professionals work closely with your team to build strategies that fit.
Personalized Service
We work closely with your credit union to understand your unique needs, goals, and constraints before recommending any solution.
Tailored Strategies
Annuity and executive benefit programs aligned with your institution's specific goals, regulatory requirements, and time horizon.
Ongoing Support
Continuous monitoring and support to ensure your investment solutions evolve with your credit union's changing needs.
Benefits for Credit Unions
Yield Enhancement
Close the 150–250 basis point gap that many credit unions leave on the table by relying solely on traditional investment vehicles.
Predictable Income
Fixed annuities and structured products provide reliable income streams to match your long-term liabilities.
Safety & Soundness
Built on principles of safety and soundness, we help navigate complex regulatory requirements, ensuring your portfolios comply with relevant laws and regulations.
Let's Build Your Strategy
Schedule a consultation to discuss how our fixed annuity and executive benefit solutions can help your credit union achieve its financial goals.
Schedule a Consultation