Liquidity & ALM Services

Lines of Credit

Pre-approved revolving loans intended for a short-term liquidity need (typically set at 10% of assets and tied to the Transaction Account); also designed to protect against daily settlement shortfalls and other short-term funding demands. Larger lines, advised and committed, are available upon approval with competitive variable rates.

Term Loans

Fixed and variable rate loans for a pre-approved borrowing amount suited for various short and long-term liquidity needs. Flexible terms are available based on the specific funding need.

Letters of Credit

Written commitment from VolCorp guaranteeing payment to a third party on behalf of your credit union, including a specified period and dollar amount. Non-negotiable and non-assignable.

Federal Reserve Discount Window

Allows eligible credit unions to meet temporary liquidity needs by borrowing directly from the Federal Reserve. Acting as a correspondent, VolCorp can assist with the FRB application, agreements, collateral to secure funding, and settlement of advances and payments.

Central Liquidity Facility (CLF)

Allows eligible credit unions with direct membership and access to borrow from the CLF, an emergency liquidity provider managed by the NCUA. Acting as a correspondent, VolCorp can assist with the NCUA application, collateral to secure funding, and settlement of advances and payments.

ALM Services

VolCorp offers a comprehensive package of ALM analytics and consulting services tailored to meet the needs of credit unions. Our fully outsourced solution incorporates Moody’s, an industry-tested and certified ALM system managed by our highly qualified consultants who adhere to all related best practices and regulatory requirements.

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