Volunteer Corporate Credit Union
Nashville, Tennessee - Photo Courtesy of Barry Shulam
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Music City, U.S.A.
 Investment Services

VolCorp offers a range of investment products to meet your credit union’s diverse needs. If your investment portfolio calls for short-term liquidity, flexibility, or longer-term investment vehicles, VolCorp can provide competitive solutions. Furthermore, our experienced financial staff is always available to assist you with questions and planning.

Benefits of choosing VolCorp for your Investment Needs:
  • Licensed brokers on staff
  • Strong industry knowledge
  • Reputation of exceptional member service
  • Safety and soundness
  • Transferring money is as easy as a telephone call to one of our Investment Specialists

Brokerage Service
Expanding your portfolio is simple with a brokerage account from VolCorp. With licensed brokers on staff at VolCorp, this service provides you with the opportunity to buy and sell all permissible securities along with other benefits such as: increasing diversification, access to national inventories, and serving as an alternative pricing source per NCUA guidelines. Setting up your account is easy and it’s free!! With a Corporate Agent Account in place, we’ll be ready to execute a trade when you are and/or serve as your alternative pricing source.

Investment Consultation
Based on your internal ALM review or your VolCorp ALM report, we can make recommendations with regard to which investment types best suit your yield requirements while staying within your risk tolerance parameters. In addition, VolCorp can actually test securities in your ALM model to determine their impact on your NEV risk profile. These investment strategies can then be applied to your current portfolio to determine the best portfolio mix for your credit union.

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We can also assist you in the overall structure of your investment portfolio strategy. For example, for many credit unions, creating an Investment Ladder can be a productive way to enhance yield as well as provide a steady form of liquidity based on your specific cyclical needs.

Transaction Account
Each member credit union is required to have a transaction account in order to take advantage of the many correspondent opportunities VolCorp offers. The transaction account is an interest bearing account through which all automated settlement clears.

Premier Account
This account was designed specifically with your overnight investing needs in mind. Funds in excess of your average daily settlement are swept into the Premier Account each night. These sweeps are automatic and at no cost to your credit union. Our Premier Account is crucial for maximizing earnings potential with our competitive overnight rates, plus it eliminates the need to constantly manage your liquid funds. These dividends are accrued daily and paid at the end of each month.

Member Managed Fund Account
The Member Managed Fund has a minimum deposit of $1,000,000, earns a premium rate of return, and gives you the opportunity to better manage your liquid funds. You’ll also enjoy these features:

  • Choose from four deposit tiers; with each higher level tier, there is a higher interest rate:

        Silver ($1M-$4.999M)
        Gold ($5M-$9.999M)
        Platinum ($10M+)
        Titanium ($25M+)

  • Unlimited funds may be deposited
  • Floating rate may change daily, allowing you to earn market rates
  • No set maturity date

Perpetual Contributed Capital (PCC)
This account is required in order to perform settlement services with VolCorp and requires a balance of ¾ of 1% of your credit union assets with a cap of $1,000,000. Your balance is not adjusted annually to account for growth and you do not have the ability to withdraw the capital. However, Perpetual Contributed Capital can be sold to another credit union or to another party.

Certificates of Deposit
VolCorp offers a wide variety of high-yielding certificates with terms ranging from one-day to five-years along with flexible dividend schedules. There is no dollar limit on the amount you can invest and we assume the market and interest rate risk.

Notice 90 Account
Notice 90 gives you the opportunity to earn a higher rate of return while maintaining the short term liquidity of a share account. Notice 90 also includes these features:

  • 90 day notice required for withdrawal
  • No minimum deposit
  • Maximum balance per credit union
  • Premium interest rate
  • Floating rate may change daily, allowing you to earn market rates
  • Dividends accrue daily and pay monthly to your transaction account

A complete investment system, SimpliCD combines the safety of CD investing with the performance of competitive interest rates from issuers nationwide. SimpliCD will search for the best federally-insured CD rates, perform due diligence and maintain all reporting requirements.

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Christmas Club Accelerator
This account was developed for matching your members’ Christmas Club deposits. Open your Christmas Club Account prior to January 1st with a minimum of $5,000. Set your own maturity to coincide with your Christmas Club disbursement. This account pays a variable rate that can be adjusted the first day of each month. Deposits can be made at any time and in any amount, and dividends are paid at maturity.

Securities Settlement & Safekeeping
Settling your security purchases through VolCorp will provide you with accurate delivery versus payment and safekeeping. We will post all principal and interest payments. By using our Safekeeping and Settlement services, you are assured accurate settlement and coupon collection of your securities.

Reverse Repurchase
Sell your securities with an agreement to repurchase them on a specific date and at a pre-determined price. The proceeds of the sale can be used to meet short-term liquidity needs or can be re-invested at a rate sufficient to provide a positive spread.

Community Investment Fund (CIF)
Volunteer Corporate Credit Union (VolCorp) has partnered with the National Credit Union Foundation (NCUF) to give member credit unions the ability to continue investing in the Community Investment Fund (CIF). The CIF investment option will now be available through VolCorp for all PCC members. Investing in CIF allows members to support the state’s League initiatives for helping credit unions as well as supporting the National Foundation.

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Your savings federally insured to at least $250,000
and backed by the full faith and credit of the United
States Government. National Credit Union Administration,
a U.S. Government Agency.

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