IN THIS ISSUE
ROAD NOTES Steve McHugh is the Federal Home Loan Bank of Boston's relationship manager for eastern Massachusetts. In this audio report from the road, hear an update on what he's been encountering in his meetings with members across the region. >More
SPRING 2005

Three Percent Isn't Always Three Percent What's the real cost of a CD special? Here's a technique to make sure you're not overpaying for funds.

Borrowing Smart Need a strategy for minimizing funding costs? Relationship manager David Birkins has compiled an easy-to-use list of must-know Bank funding sources.

Check Out Our Upcoming FHLB 101 and A/L 101 Webinars The Bank's online learning sessions offer members a convenient way to stay updated on Bank products and discover new strategies for managing their financial institutions.

Using Advances Safely Members often ask us how much in advances they can borrow without exposing themselves to undue risk and regulatory concerns. It's an important question and one we'd like to help you answer.

Let Credit Quality Work for You In today's price-sensitive mortgage market, credit quality is a weapon most non members of the Federal Home Loan Bank of Boston don't have.


Using HELOCs as Collateral A recent change to the Bank's Products Policy makes it possible for HELOCs (loans disbursed under open-ended home-equity lines of credit) to be used as eligible other real estate-related collateral.

Audio Solutions   Funding Strategies  

Funding with Amortizing Advances
When loans began to outpace deposits, Union Savings Bank of Danbury, Connecticut, turned to Federal Home Loan Bank of Boston Amortizing advances to fund long-term, fixed-rate mortgages.

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Using Advances to Fund Mortgage Growth
If loan growth in your market remains viable but you lack the deposit growth to fund it, you might consider funding that growth with Federal Home Loan Bank of Boston advances.

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