NexitIQ™
0%
Principal Protected
NexitIQ™
Fixed Annuities for Credit Unions & Nonprofits

100% Principal Protection
with Competitive Fixed Rates

Enhance returns on excess liquidity without adding market risk.

Fixed-Rate AnnuitiesTax-Deferred Growth100% Principal Protection10% Annual Access
Book a 10-Minute Executive BriefingSee Your Potential

“Providing credit unions and nonprofits with fixed annuity solutions built on safety, soundness, and predictable returns.”

Who We Serve

Select your institution type to learn how we can help

Credit Unions

Maximize your reserve yields with regulatory-compliant fixed annuities and fixed annuity products designed for safety and soundness.

Learn more

Non-Profits & Foundations

Grow your endowment with principal-protected, fixed-rate returns that align with your fiduciary responsibilities.

Learn more

Growth potential without market risk

Fixed Annuities provide stated interest rates with 100% principal protection. You know exactly what you'll earn—no market risk, no surprises.

Traditional Fixed
~2-3%
Limited upside
NexitIQ FA
Competitive
Contractual fixed rates
Direct Market
Variable
Principal at risk

Key Features

What makes our Fixed Annuities different

100% Principal Protection

Your investment is fully protected from market downturns. You can never lose your principal regardless of market conditions.

Stated Fixed Interest Rates

Receive a contractual interest rate that remains fixed throughout your elected term. No market uncertainty—you know exactly what you'll earn.

Minimum Contractual Rate

Every contract includes a Minimum Interest Rate (MGIR) that provides a floor for your earnings regardless of market performance.

Tax-Deferred Growth

Your investment grows tax-deferred, allowing compound growth without immediate tax implications on earnings.

Flexible Guarantee Periods

Select from 2 to 7 year guarantee periods. Interest rates remain stable throughout your elected period.

10% Annual Access

Access up to 10% of your contract value annually without surrender charges, providing liquidity when you need it.

How it works

Simple steps to enhanced returns

01

Brief

Book a 10-minute executive briefing. We’ll review excess liquidity, policy fit, and the outcome you can take back to your CFO, treasurer, or board.

02

Customize

Select your guarantee period (2-7 years) and investment structure. We'll tailor the FA to meet your specific requirements.

03

Grow

Your principal is protected while earning predictable, fixed returns. Enjoy tax-deferred growth with full transparency.

Surrender Charge Schedule

Select a term to see the fee structure

7%
Yr 1
7%
Yr 2
7%
Yr 3
6%
Yr 4
5%
Yr 5
0%
Yr 6
0%
Yr 7
During guarantee period
No charge — fully accessible

* Surrender charges may vary by state. 10% annual free withdrawal available during all periods.

Safety, Soundness & Accounting

Flexible Accounting Classification

Our FAs are designed with safety and soundness at the core, and can be structured to meet your accounting needs. With annual access to 10% of your contract value, there's flexibility in how you classify the investment.

  • Current classification for liquid portion with annual access
  • Long-term classification for strategic holdings
  • Flexible structure based on your liquidity needs
  • Board presentation materials included
  • Examiner-ready documentation provided
Compliance Documentation
Board-Ready Reports
100% Principal Protection
Tax-Deferred Growth
Executive Snapshot

A simple outcome your CFO can evaluate quickly

If an institution allocates $5,000,000 for 5 years, the key questions are straightforward:

  • What is the projected value at maturity?
  • How much annual liquidity remains accessible?
  • How does it compare to leaving excess liquidity idle or underperforming?
  • What documentation supports board and examiner review?

Illustrative outcomes and current rates are reviewed during the executive briefing.

Board & Compliance Confidence

Built for safety, soundness, and governance conversations

This is positioned as a balance-sheet tool — not a retail product pitch. The goal is to make internal review easier, not harder.

Board-ready materials
Examiner-ready documentation
Policy alignment review
10% annual liquidity access

See your potential

Estimate your growth with a Fixed Annuity

$5,000,000
$250K$50M
Estimated Annual Growth*
$225,000
Value After 5 Years*
$6,230,910
Your $5,000,000 principal is 100% protected

* Hypothetical illustration only. Actual rates depend on the issuing carrier, guarantee period, and purchase amount. Contact NexitIQ for current rates. Past performance does not guarantee future results.

Meet the Leadership

Decades of experience in credit union financial strategy

JS

John C. Swenson

President & CEO

Specializing in credit union investment strategy and fixed annuity solutions. Committed to protecting and growing institutional assets.

TS

Tyler Stevenson

Chief Executive Officer

Driving innovation in financial products for credit unions and nonprofits. Focused on delivering reliable, compliant investment solutions.

Why Credit Unions Choose NexitIQ™

Portfolio Diversification

Reduce concentration risk in traditional investment vehicles with fixed annuities offering predictable returns and principal protection.

Predictable Income

Fixed annuities and structured products provide reliable income streams to match your long-term liabilities and support financial planning.

Customized Strategies

Our experienced professionals create tailored portfolios aligned with your investment objectives, risk tolerance, and time horizon.

Safety & Soundness

Built on principles of safety and soundness, we help navigate complex regulatory requirements, ensuring your investment portfolios comply with relevant laws and regulations.

Ready for Protected Growth?

Discover how Fixed Annuities can enhance your credit union's financial strategy with 100% principal protection.

Book Your 10-Minute Executive Briefing