Business People having meeting
 
Member Solutions
Funding-Strategy Model Case Studies
Activity-Based Stock Requirement
Learning Portal
Forms & Applications
FAQs and Policies
Member Solutions

The FHLB Boston Solution Center offers a broad range of tools, case studies, and articles to help you achieve your goals.

All Articles and Tutorials


Exposed to Rising Interest Rates?
Learn why now may be the time to extend some of your funding. Adobe PDF icon

More



Online Borrowing is on the Rise
Direct+ is a powerful online tool that allows you to manage your FHLB Boston accounts and transactions in a secure online banking portal. Learn how members are using Direct+ to originate advances online among other features. Adobe PDF icon

More



Using FHLB Advances to Fund a 5-Year / 20-Year Commercial Real Estate Loan
Read how a member used FHLB advances and a portion of their deposits to fund a 5 / 20 year commercial real estate loan. Learn more



2016 Long-Term Borrowing Activity
A flatter yield curve combined with another dip in long-term rates are fueling member long-term advance activity.
More



2016 Long-Term Borrowing Activity
Since the start of this year, long-term borrowing activity has continued to be solid, keeping stride with last year's robust pace.
More



Getting the Most From Direct+
As the number of members initiating transactions on Direct+ continues to grow, many users and potential users are still unaware of the service's full complement of features. More



Update: Long-Term Advance Activity
and Advance Renewal Discounts

The Federal Reserve's decision to delay a rate hike at their September meeting triggered a market rally that gave members additional incentive to extend advance maturities and lock in attractive rates.
More



Update: Long-Term Advance Activity
Ongoing market volatility with intermittent dips in rates has triggered a spike in long-term borrowing and provided an opportunity for members concerned with rising rates. More



Dutch Auction Special - Recap and Strategy
Since the beginning of 2014, we have offered eight Dutch Auction specials, and more than $500 million in bids have been accepted. More



Moving Your Money Faster
Did you notice when the Bank sped up the timing for advances disbursement in April? For many advance transactions, funds are now disbursed within moments of a phone call to the Money Desk. More



Funding 5-Year CRE Loans
As commercial real estate lending returns to pre-recession levels, the Bank is seeing an increase in requests for funding strategies. More



Two Solutions for Long-Term Funding
As rates rise, long-term Federal Home Loan Bank of Boston Classic advances can help protect net interest margin for members with long-term, fixed-rate assets. The Bank's Symmetrical Prepayment advance, which offers maturities for terms out to 20 years, offers another solution. More



Funding 30-Year Fixed-Rate Mortgages
A member with loan demand recently inquired about funding options for holding 30-year fixed-rate mortgages. The member has exposure to rising interest rates and was interested in evaluating strategies funded out to five or seven years. More



Long-Term Advance Activity: First Quarter 2014
During the first quarter, 79 members took down more than $660 million in long-term funding, with final maturities out as far as 10 years. Many took advantage of specials to access funding as much as 20 basis points below our posted advance rates. More



Long-Term Advance Activity Recap: 2013
During 2013, FHLB Boston members continued to layer in long-term funding. One hundred thirty-nine members took down more than $2.5 billion in long-term funds from one- to 20-year maturities in 2013. More



The Comeback of the Home Equity Loan
Did you know you can lock in an attractive spread on short-duration assets by utilizing a mix of amortizing advances? With home prices stable or growing and mortgage rates on the rise, most homeowners that refinanced are looking to fixed-rate home equity loans to fund improvements.
More



A Perspective on Interest Rates

Is the recent increase in interest rates a growing concern for your institution? What are FHLB Boston member institutions doing to position themselves for future rate environments? FHLB Boston recently hosted a webinar to help put the current interest-rate environment in perspective for you.

More



Recent Member Advance Activity
Since the beginning of the year, more than 60 members have accessed in excess of $640 million in long-term funding. Most recently, during the month of May, the Money Desk offered weekly long-term bullet specials in a Dutch Auction format. Through these offerings, 12 members took down more than $60 million in funding, with discounted rates as much as 26 basis points below posted advance pricing.
More



Dutch Auction Advance Special
What if you could set your own advance rate? We'll soon be giving you that opportunity (within reason, of course!). On May 29, FHLB Boston will conduct an advance special using the Dutch Auction format from 10:00 a.m. to 11:00 a.m. Unlike traditional specials, where we set the rates prior to the offering, members will submit bids for their preferred advance amount and rate. After all bids have been submitted, the Bank will determine a clearing rate, and all bids at or above the clearing rate will be executed at the clearing rate for the amount specified in the bid. More



Members Borrow at a Rate
Below One Basis Point

The Federal Home Loan Bank of Boston offers the Flipper advance as a solution to members' shrinking net-interest margins. While the maturities and lock-out periods have varied, each new Flipper had an initial rate below one basis point.
More



Is the Fed Falling Behind?
On April 25, the Federal Open Market Committee affirmed its intention to keep short-term interest rates near zero until late in 2014. Should members rely on this "promise," or should they begin to add duration to their funding?
More



Advance Restructuring with the Symmetrical Prepayment Advance
Advance restructuring has allowed members to lower the rate on existing advances by restructuring an outstanding advance and blending the prepayment fee into the rate of a new Classic advance. Recently, some members have explored the alternative of using the Symmetrical Prepayment advance as the funding vehicle for restructure.
More



NEW! Online Borrowing is on the Rise

Direct+ is a powerful online tool that allows you to manage your FHLB Boston accounts and transactions in a secure online banking portal. Learn how members are using Direct+ to originate advances online among other features. Adobe PDF icon





NEW! 5-Year / 20-Year CRE Loan

Read how a member used FHLB advances and a portion of their deposits to fund a 5 / 20 year commercial real estate loan. Adobe PDF icon





Marginal Cost of Funds

Learn why it is prudent to prepare for rising short-term interest rates in the not too distant future. Adobe PDF icon





Non-Conforming 30-Year FRM

In this article, read about how a member used FHLB advances and a portion of their deposits to fund 30-year, non-conforming mortgages. Adobe PDF icon

More



Funding 5-Year CRE Loans

As commercial real estate lending returns to pre-recession levels, the Bank is seeing an increase in requests for funding strategies.

More



New Funding Strategy Models

Looking to fund loans or securities with advances? A Federal Home Loan Bank of Boston funding-strategy model can help you develop strategies to hedge interest-rate risk and maximize profitability.

More



 
 
Products Policy Adobe PDF icon
Rates Specials
Membership
Direct+ Login