What others are saying about FHLB Membership

 “Federal Home Loan Bank advances made to insurance companies, especially life insurers, have risen exponentially in recent years, as insurers seek stable funding sources.”
- SNL Financial, April 28, 2009

“During the credit crisis, [the FHLBanks] provided much needed liquidity to their member banks, while other liquidity providers experienced deteriorating financial strength. The FHLBanks were able to provide liquidity while maintaining high stand-alone ratings.”
- Moody’s Resi Landscape, September 17, 2009

“Fitch believes FHLBank borrowings can be a good source of liquidity and provide some financial flexibility to those insurers with limited access to capital.”
- Fitch Ratings Special Report, “Insurance Company Usage of the Federal Home Loan Bank System on the Rise,” May 15, 2006

“FHLB programs provide financial flexibility for insurance company members and are an attractive source of capital because of the low rates offered on advances.”
- A.M. Best, November 2006