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Self-Certification for Full-Time Students
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Disaster Relief Program Disclosure
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Deposit Costs and Gradual Policy Rate Reduction
Bank deposits exhibit convexity. How effectively a depository can pass on changes in Federal Reserve policy rates to customers is influenced by how quickly the policy rate shifts. The current rate-cutting cycle differs from 2020 because rates are higher, and the pace of rate cuts is more gradual and predictable. With the Fed signaling a slower pace of rate cuts, it may be appropriate for members to consider the relative costs of all available funding sources, including FHLBank Boston advances.
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Quantitative Tightening, Volatility, and Considerations for Funding
At the October Federal Open Market Committee (FOMC) meeting, the FOMC statement indicated that reduction of the Fed’s balance sheet will end December 1, 2025, earlier than many in the market expected. The end of Quantitative Tightening may have implications for interest-rate volatility. FHLBank Boston offers advances with embedded options, like the HLB-Option and Member-Option Advance, for navigating interest-rate changes.
