Credit union boards are responsible for balancing yield, stability, liquidity, and long-term financial objectives. Insurance-based fixed investments can provide another option beyond traditional CDs, but understanding the guarantees, insurer strength, liquidity provisions, and regulatory considerations is essential. Here are the key questions every board should ask when evaluating where these investments may fit within a broader portfolio strategy.

Credit unions are under constant pressure to improve yield without taking on unnecessary risk. While traditional CDs remain familiar and dependable, insurance-based fixed investments can provide another option—combining competitive yields, contractual guarantees, predictable values, and greater operational simplicity. Our latest guide explores how insurance companies structure these investments, where the potential advantages come from, and how they can fit within a credit union’s broader investment strategy.

Insurance-based fixed investment contracts are becoming an increasingly attractive alternative to traditional CDs for credit unions seeking stronger yield, stability, and operational simplicity. By leveraging the long-term investment structure of life insurance companies, these guaranteed products can provide a 100+ basis point advantage while reducing administrative complexity and avoiding mark-to-market volatility. As interest rates begin to shift, institutions that understand these strategies may be better positioned to strengthen long-term portfolio performance.