Most employee benefits are either "soft," those innovative benefits that support work/life balance and are of little or no cost to the employer, or "hard" benefits, those that have a direct financial impact on the CU and make up the employee's total compensation package. Interestingly, soft benefits are offered at drastically lower rates than hard benefits with most financial institutions. As such, it may behoove CUs in these times of thrift to improve or enhance their soft benefits, rather than focus on beefing up the hard benefits. In addition to enhancing the overall benefits package with additional soft benefits, CUs can reduce costs by evaluating their hard benefits. If you are trying to enhance your benefits package, try adding soft benefits, which can be offered at little or no cost to the organization. And get creative with your hard benefits to save money and retain employee satisfaction.