We Think Employee Benefits Should Have More Fund.

Medical. Dental. Vision. Life. Competitive benefits packages not only help recruit and retain talent, but they align with the service culture of credit unions. With the rising costs of benefits today, credit unions are faced with the challenge of how to best fund their compensation plans. Which is why Members Trust Company pioneered a better way to fund your employee and executive benefits through low-risk, high-reward investment returns rather than operating income.


Members Trust Company’s EBFTs have helped our credit union partners offset 67% of their employee benefit costs. Start reducing operating costs today.

EBFT vs ROA Chart

Employee Benefit Funding Trusts: More Benefits. More Fund.

  • Targets benefits like health insurance premiums, 401k contributions, pension contributions, sick/vacation time, etc.
  • Allows for investment flexibility to match long-term costs to long-term assets
  • Includes non-703 investments
  • Minimizes total portfolio risk on the balance sheet
  • Funds a targeted expense
  • Diversify interest rate risk

Past performance does not guarantee future success.
EBFT chart on left – as of 12/31/20

*Members Trust products are (1) Not FDIC Insured, (2) No Bank Guarantee, and (3) May Lose Value. Past performance is not indicative of future results; return comparisons are between a composite of MTC Credit Union EBFT returns and the average return on average assets as reported by the NCUA from 2013 to 2020. Composite returns are gross of management fees. For EBFTs, offset of benefit costs cited may not be representative of future benefit cost saving.

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Contact us today to start giving more tomorrow.

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