Credit Union Investment Management

Part 703 Managed Bond Products for Credit Unions.

Fixed income building blocks to construct your credit union’s investment portfolio.

We offer a suite of managed bond products across the duration and term spectrum of permissible investments under Part 703 NCUA guidelines. Strategies are designed to help CFOs cost effectively, precisely and conveniently pursue a range of objectives - including yield, diversification, income generation, duration matching, interest rate risk management and capital preservation.

Products are designed like building blocks empowering CFOs to construct a portfolio tailored to their credit union’s investment profile.

Money Market Funds

A suite of rule 2a-7 money market funds including 100% Treasury, Treasury Plus, and  Government to help manage your liquidity needs.

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Target Duration Strategies

Treasury & TIPS strategies that seek to maintain a precise level of duration sensitivity throughout varying interest rate environments. Target duration strategies available for: six month, 1, 2, 3, 5, 7, 10, & 20 year duration.

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Defined Maturity Strategies

A diversified portfolio of Treasury, TIPS, or agency debentures maturing in a specific year. Strategies available for bonds maturing in each year from 2025 through 2034.

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Ladder Strategies

Bond ladders are available for U.S. Treasuries, TIPS and agency debentures. Bond ladders are pre-built for ultrashort, short-term, short-intermediate, and intermediate maturity profiles. Custom ladders can be configured to the desired term, rungs, and spacing.

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Strategic Credit Fund

A fund of multifamily Freddie Mac K Series B Certificates designed to provide enhanced yield, diversification, inflation protection and a steady stream of income.

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What is a managed bond product?
A managed bond product is analogous to a fixed income mutual fund. Both invest in a basket of bonds, but with a managed bond product you retain direct ownership of the bonds rather than owning shares of a mutual fund.

Benefits of managed bond products for your credit union

Individual bond selection burdens management and CFOs with time-consuming research, trading and daily portfolio management. Managed bond products can help optimize portfolios across a range of investment objectives and simplify implementation while while lowering costs and increasing transparency. 

Ease of Management: Utilize various managed bond products to easily rebalance or adjust the makeup of your credit union’s portfolio. CFOs can select different managed bond products to dynamically shift allocations without the complexity of trading individual securities. 

Diversification Made Simple: Gain exposure to a wide range of fixed income strategies across asset classes within a single account.

No Markups: Access professionally managed fixed income strategies at a lower cost and with greater pricing transparency than trading individual bonds.

Self-directed or guided portfolio implementation

You may select strategies at your discretion or collaborate with an investment advisor. Advisors take a consultative approach to help you select products to build and implement a customized portfolio that seeks to achieve your credit union's objectives in accordance with your investment policy statement.

Robust online reporting & portfolio insights

In today’s complex and fast moving fixed income markets it is important to have real time access to portfolio holdings, analytics and insights. Our online platform and reporting allows you to view and export current investment holdings, key accounting, reports, portfolio analytics, monthly statements and trade confirms. 
© 2025 Polaris Financial, LLC.
Advisory services offered through Polaris Financial, LLC doing business as Credit Union Wealth Group. Polaris Financial, LLC is a SEC registered investment advisor. 6 Liberty Square #2663 Boston, MA 02109. All rights reserved. Brokerage services provided to clients of Polaris Financial, LLC by Altruist Financial LLC and/or Interactive Brokers Group, registered broker-dealers and members FINRA/SIPC. Past performance is no guarantee of future results. All securities involve risk and may result in loss. Nothing in this communication should be construed as a solicitation or offer, or recommendation, or advice to buy or sell securities or services. 
Investments in securities: Not FDIC Insured - Not NCUA Insured - No Bank Guarantee - May Lose Value. 
Credit Union Wealth Group has a partnership with credit unions to provide investment advisory services to their members. The credit unions are not investment clients of Credit Union Wealth Group but have a revenue sharing relationship that can create a conflict of interest.