By nature, credit unions are people centric. From the members to the staff to the community, credit unions represent a mission to serve their stakeholders. The NCUA offers two specific solutions to help institutions achieve this mission: Employee benefits prefunding (EBPF) and charitable donation accounts. These non-traditional investment portfolios are intended to help credit unions fund expenses associated with non-monetary compensation and charitable giving. With access to investments outside traditional 703 constraints, credit unions can tap into high quality assets that historically have generated returns in closer alignment with rising expenses on employee benefits and help support financial commitments to the community.