The Federal Home Loan Banks are a mechanism for economic stability. Thousands of community lenders everywhere in America rely on us as a strong source of funds for financing housing, jobs and growth.
Cooperative
As cooperatives, the Federal Home Loan Banks don’t have the pressure for high returns that they might otherwise have if their stocks were publicly traded. The returns they do make go directly to replenishing their ability to keep a reliable supply of low-cost funds flowing to communities through local banks.
Being a cooperative allows the Federal Home Loan Banks to maintain prudent credit risk standards throughout all business cycles.
The Government Accountability Office has noted that the Federal Home Loan Banks’ capital structure “gives investors confidence in the system.”
Community
Our focus on community means we support housing, jobs and economic development where it counts.
© , Council of Federal Home Loan Banks