Dozens of credit unions have asked us to bring our proven contingent funding solution to the cooperative world. In today's climate, your members deserve the same protection. Now they can have it.
Over the past year, we've received an overwhelming number of requests from credit union leaders asking us to expand our contingent funding solution beyond traditional banks. The message was clear: credit unions need this too.
So we went to work. We adapted our patent-pending reciprocal exchange model specifically for the cooperative structure, aligning it with NCUA standards and the unique way credit unions serve their communities. The result is a program built for you, from the ground up.
The current economic landscape makes contingent liquidity planning more critical than ever for credit unions.
Credit unions across the country are facing tighter liquidity conditions. Deposit competition, rising rates, and economic uncertainty make contingent funding more important than ever.
NCUA examiners are placing increased emphasis on Contingency Funding Plans. Having a robust, diversified contingent funding source gives your institution a clear edge during examinations.
Credit unions exist to serve their members. Being prepared for liquidity events means you can continue lending, processing withdrawals, and supporting your community no matter what.
Every aspect of our credit union program has been designed with your cooperative mission, regulatory environment, and members in mind.
Our solution is purpose-built for credit unions that put members first. Strengthen your ability to serve your community with confidence, knowing your liquidity position is secure.
True to the cooperative spirit, our reciprocal exchange model lets credit unions support each other through shared contingent funding arrangements. Strength in numbers.
Designed with regulatory expectations in mind. Our framework aligns with NCUA examination standards for contingency funding and liquidity risk management.
Whether you manage $50 million or $5 billion in assets, our solution scales to fit your institution. No credit union is too small to benefit from contingent liquidity protection.
An extremely cost-effective alternative to traditional liquidity lines. Protect your members' deposits and your institution's future without straining your budget.
Demonstrate proactive liquidity management to examiners. Our patent-pending solution shows your board and regulators you're prepared for any environment.
From first conversation to full integration, we handle the heavy lifting so you can focus on serving your members.
We learn about your credit union, your liquidity position, and your goals. This is a conversation, not a sales pitch.
We pair your institution with a compatible credit union or bank partner based on size, risk profile, and geography.
Our team handles the paperwork. Both institutions exchange Irrevocable Stand-by Letters of Credit backed by time deposits.
The arrangement integrates directly into your Contingency Funding Plan, ready for examiner review and board reporting.
Credit unions are the backbone of community finance. They deserve access to the same innovative liquidity tools that larger institutions rely on. That's exactly what we set out to build.
Jorge Coloma
CEO, Interbank Contingent Funding
Have questions about how our solution works for credit unions? Here are answers to what we hear most.
The core mechanism, a reciprocal exchange of Irrevocable Stand-by Letters of Credit, is the same proven, patent-pending model. However, our credit union program is tailored specifically to the cooperative structure, NCUA regulatory framework, and the unique liquidity challenges that credit unions face compared to traditional banks.
Not at all. We work with credit unions of all asset sizes. Our matching process pairs institutions thoughtfully based on size, geography, and risk profile to create balanced, mutually beneficial partnerships.
NCUA expects credit unions to maintain robust Contingency Funding Plans. Our solution directly strengthens your CFP by adding a diversified, reliable contingent funding source, something examiners value highly in today's regulatory climate.
Letters of credit are only drawn during certified liquidity events. Activation requires dual authorization from the CEO and another designated senior officer, ensuring full governance oversight and member protection.
Our arrangements are structured as one-year renewable terms, giving your institution flexibility while maintaining consistent protection. We handle all the coordination and documentation to make renewals seamless.
Join the growing list of credit unions exploring our contingent funding solution. Schedule a no-obligation conversation with our team and see how we can strengthen your institution's liquidity position.
