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Offset Benefits Costs 
With Pre-Funding

Learn how you can use high-yielding investments to address employee benefit costs with Total Benefts Pre-Funding.

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Declining investment yields and net interest margins make it increasingly difficult for credit unions to support the rising cost of benefits like health insurance premiums. But with a Total Benefits Pre-Funding (TBPF) program, you can offset the cost of your credit unions' employee benefits.

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A TBPF program allows federal credit unions to invest in potentially higher-yielding investments that the NCUA would otherwise deem "impermissible."

Investment options include:

  • mutual funds, stocks, bonds
  • annuities
  • bank-owned life insurance
  • institutionally managed portfolios

call 800.798.0770 ext 665.1035 for a free customized consultation


total benefits pre-funding video (Share Video)

"It's just good business practice."
Watch this two-minute video to hear how CUNA Mutual Group's Total Benefits Pre-Funding Program helped Dade County FCU improve investment returns to help pay for its employee benefits.

 Complete this form to learn more.
Or call 800.798.0770, Ext. 665.8507   

1. CUNA Mutual internal data
2. Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2014
3. National Credit Union Administration, 5300 Call Report Quarterly Data, December 2014

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Proprietary insurance is underwritten by CMFG Life Insurance Company. Proprietary and brokered insurance is sold by CUNA Mutual Insurance Agency, Inc., a wholly owned subsidiary. This insurance is not a deposit and is not federally insured or guaranteed by your credit union. For more information, contact your Executive Benefits Specialist at 800.356.2644.

Representatives are registered through, and securities are sold through, CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, 2000 Heritage Way, Waverly IA 50677, toll-free 866.512.6109. Insurance and annuity products are sold through CMFG Life Insurance Company. Trust services available through MEMBERS Trust Company, 14025 Riveredge Dr., Suite 280, Tampa, FL 33637.
Non-deposit investment products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the credit union.

TBPF-1160427.1-0315-0417 © CUNA Mutual Group, 2015 All Rights Reserved.