Diversify and satisfy.

If a stable funding source sounds right for you, public fund deposits offer deposit diversification and can help you satisfy your short- or long-term and small- or large-block needs. Public fund deposits bring liquidity from outside the credit union market. Available to all federally insured credit unions, public fund deposit services are offered to members and non-members.


  • Potential access to 3,200 public entities, including school districts and municipalities
  • Multiple, fixed-term options where you select the amount, rate and term
  • The ability to expand your deposit base without disrupting or cannibalizing existing deposits
  • Deposit diversification
  • Reduced seasonality
  • Proactive funding
  • A cost-effective liquidity solution with no direct expenses
  • Operationally efficient
  • Ongoing flexibility and peace of mind from working with a trusted partner with a core mission of providing liquidity to the credit union industry


  • Two program options:
    • Term deposit program: Laddered or specific, large and small block, using collateralized or non-collateralized options
    • Liquid deposit account program: Large and small block, using collateralized or non-collateralized options
  • Large block options within the Term Deposit or the Liquid Deposit Account Programs include:
    • Custodial Program that allows large block deposits under $250,000 without pledging collateral
    • Collateralized Deposit Program for deposits greater than $250,000 that require a security pledge on an individual or program basis and/or a Public Unit of Deposit Letter of Credit

Want to learn more about public fund deposits?

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