FHLBank Atlanta - The Federal Home Loan Bank of Atlanta is a cooperative bank owned by our members. Established by the Federal government, our goal isn’t profits; it’s to help build communities. We offer competitively priced financing, community development grants, and other banking services that help our members’ communities grow and prosper.
As one of 11 regional banks in the Federal Home Loan Bank System, we provide our members with access to low-cost global capital. We serve commercial banks, credit unions, insurance companies, savings institutions, and community development financial institutions throughout Alabama, Florida, Georgia, Maryland, North Carolina, South Carolina, Virginia, and the District of Columbia.
Big Banks - Commercial banks count on FHLBank Atlanta as a reliable and secure source of low-costs funds. Our products help banks fund asset growth, mitigate interest-rate risk and better manage their balance sheets.
Our commercial bank members also get access to housing products for low-income families and veterans as well as economic development funding for the communities they serve.
Credit Unions - Watch our video to learn how we help credit unions manage liquidity, mitigate interest-rate risk, and access low-cost funding.
Affordable Housing - Each year we set aside 10 percent of our annual net income to provide funding for affordable housing. Our programs help first-time homebuyers fulfill their dream of owning a home, help veterans purchase or rehabilitate a home, and provide much needed resources to help developers create affordable housing for very low- to moderate- income families.
It’s not only good for the community but also good for the economy. According to a recent study, for every $1 million of Affordable Housing funding provided, 158 jobs are created.
Infrastructure - For a community to prosper, it needs proper infrastructure. But to build large-scale infrastructure projects requires big money loans. Our Letters of Credit help secure improved credit terms for community-focused bonds. This gives members a low-cost way to help fund new hospitals, schools, and other vital infrastructure projects.
Community Banks - Community banks are an important part of the financial system. FHLBank Atlanta helps community banks better compete in their local markets by providing access to low-cost funding, offering affordable housing programs, and providing innovative products that mitigate interest-rate risk. This means our community bank members can better serve their customers and their community.
Insurance Companies - Insurance companies rely on FHLBank Atlanta as a ready provider of same-day liquidity and as an important source of asset/liability management tools. Our products can supplement or even replace existing funding like commercial paper programs or lines of credit. This helps our insurance company members improve their balance sheet and capital position, and provides them with stable and reliable funding.