Appealing if you are seeking flexibility and control over the amount of funding you need now and in the future, the Member-Option offers the ability to lock in funding with the option to prepay at certain intervals without a fee.
The DNA-Floater is an ideal product if you are seeking the liquidity benefits of long-term funding with adjustable rates and the flexibility to prepay without a fee.
Are Asset Quality Issues Out Front or in the Rearview?
As the Federal Reserve has pivoted to rate cuts, there has been some deterioration in asset quality. But will healthy loan-loss reserves at banks and credit unions be sufficient to absorb the issues or are earnings at risk?
In the current rate environment, members anticipate a series of rate cuts that will help ease margin pressure and begin a new growth cycle. However, an analysis of past rate cycles can help inform members on the optimal time to stay with short-term or long-term wholesale funding.
Balancing Liquidity and Interest-Rate Risks in a Fed Cutting Cycle
With short-term interest rates now moving lower, there are several advance solutions that can provide flexibility for members to manage constantly shifting liquidity needs and interest-rate risks.
Our Annual Report illustrates how the Bank’s steady financial performance and member partnerships are advancing New England’s economy and enabling us to fulfill our mission each day.