Insurance
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Advances and Correspondent Services Secretary/Clerk’s Certificate (for new members)
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Hedging Against Higher for Longer with Flexibility
Interest rates have not fallen as much as many expected at the beginning of 2025. The Member-Option Advance can help members manage interest-rate risk in a higher-for-longer environment while retaining flexibility to benefit in a down-rate scenario.
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Funding Amidst Rate Cut Uncertainty
The SOFR Flipper Advance offers the potential for interest cost savings as market expectations for the timing and magnitude of potential rate cuts change.
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Strategies for a Pivot to Lower Rates
Amid signals that the interest-rate cycle may shift, certain funding solutions can present value in managing liquidity, earnings, and interest-rate risk.
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How It Works: HLB-Option Advance
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How It Works: Discount Note Auction-Floater Advance
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Dividends Lower Effective Borrowing Costs
In an environment with higher interest rates than have been observed in almost a generation, FHLBank Boston dividends are an important consideration when evaluating funding options and prices. Dividends reduce effective borrowing costs and unlike other alternative funding providers, there are no other basis point fees that would increase the net borrowing cost. Ignoring these subtleties could be costly to your institution.
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Short-Term Rates with Long-Term Liquidity
Several advance solutions exist to calibrate interest-rate risk and liquidity needs to different parts of the yield curve.

