Institutional SPGAs for Credit Unions
Board-ReadySPGAswithComplete
GovernanceDocumentation
The only SPGA solution that includes Master Working Documents, regulatory citations, and examiner-tested risk ratings. 5.10–5.50% guaranteed rates with 100% principal protection.
The Problem
Most SPGA vendors hand you a rate sheet and wish you luck with your board.
You're left building your own investment policy language, drafting ALCO memos, preparing for examiner questions, and explaining the risk rating to your supervisory committee.
That's backwards.
What You Receive
7 governance documents. Every engagement.
A complete Master Working Document customized for your credit union — from board cover note to examiner Q&A.
Board-Chair Cover Note
Formal recommendation letter framing SPGAs within your investment philosophy and commitment to prudent balance-sheet management.
ALCO Slide-Ready Summary
Presentation-ready overview covering purpose, ALM benefits, risk governance framework, and recommendation for approval.
Supervisory Committee Briefing
Governance considerations, carrier strength requirements, liquidity management, and oversight mechanisms.
Examiner Q&A Addendum
Eight examiner questions with detailed, sourced answers covering liquidity, carrier evaluation, ALM, and governance.
Investment Policy Insert
Complete policy language ready for adoption — permissible characteristics, carrier requirements, concentration limits.
CEO One-Page Brief
Strategic summary: earnings stability, reinvestment risk reduction, duration certainty, and capital stability.
ALCO Memo
Formal memorandum introducing SPGAs to the investment committee with rationale and recommendation.
Current Rates
Guaranteed. Fixed. Protected.
| 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.
How It Works
From first call to funded. 30 days.
Schedule Overview
A 15-minute call to understand your portfolio, ALM objectives, and timeline.
Receive Your Package
A complete governance package customized for your credit union — all 7 documents.
Present to Board
Walk into your board meeting with examiner-ready documentation and clear policy language.
Fund & Earn
Predictable, protected income from day one. No market volatility. No management overhead.