Wholesale Funding Solutions

 

Funding diversity achieved in the most efficient manner

To fully meet the needs of community bankers, CBFC provides three funding solutions. These products can be used separately or in combination. Working together, they provide blended funding sources, durations and rates designed to raise short, medium- and long-term deposits in the most efficient way. There are no upfront fees, no pledged collateral and no stock purchases required.

eCD™ – an automated CD portal (market exchange) hosted by SunGard® enables community bankers and institutional investors to conduct CD transactions without traditional hassles and administrative costs. It is a faster, more efficient and cost effective solution to CD issuance.	Multiple Broker CD – forming trusted advisor relationships enables CBFC to analyze specific funding needs. CBFC partners with multiple top-name Wall Street brokers to provide the best rates, flexibility and customer service.	Capital Market CD™– a new way for community bankers to access low-cost term wholesale funding from institutional investors. Captial Market CD is the only patented, securitized CD process providing a reliable way to raise low-cost deposits.

Achieve Better Rate Execution – issuing banks determine what rates/amounts to post and sell CDs directly to institutional investors online at 10-15 bps better than broker rates. Reduce the Costs of Traditional CDs – automated platform reduces the costs of issuing, documentation, accounting and tracking of CDs. Automated Point-and-Click Features – automation eliminate the numerous hassles of signature cards, back and forth negotiations and CIP requirements.

Multiple Rate Leverage – rates generated from multiple sources provide the best execution for each maturity and size. 95% of Offerings are Guaranteed Rates – helps clients lock in rates versus best efforts. No "bait-and-switch." Funding Diversity – expands your options to fund your balance sheet. Lower Costs – no annual fees, no collateral and no stock purchases.

Better Rate Execution – rates equal to or better than FHLB rates and up to 50 bps better than broker rates (depending on maturity). Monthly Funding Access – monthly funding access from $1 million to $25 million per maturity. No pledged collateral – no stock purchase requirements or fees. Ladder in Term Deposits – lock in margins and reduce interest rate risks. Diversified Funding – consistent non-correlated funding to mitigate liquidity risks and address key regulatory concerns.

 Product Suite