Fed Funds

Solutions to meet the funding needs of community banks.

United Bankers’ Bank is a regional Fed Funds market maker, paying market premium rates to banks looking to sell their excess funds.

Fed Fund Services Available:

  • Sell overnight Fed Funds
  • Purchase excess Fed Funds
  • Automatic account sweeps
  • Excess Balance Account (EBA) access

Fed Fund Guidelines:

Effective Feb. 1, 2015
  1. Borrowing limits
    50% of equity capital or $5,000,000, whichever is less subject to change as provided in the Federal Funds Agreement.
  2. Higher limits
    Borrowing limits on an individual bank request basis may be approved at the discretion of UBB.
  3. Consecutive Borrowing Days
    No specific limit on consecutive borrowing days (although Fed Fund borrowing beyond 90 days is generally discouraged). The rate will increase after 30 consecutive borrowing days.
  4. Collateral Pledge
    You may be asked within UBB's discretion to secure your Fed Fund borrowings through a collateral pledge in accordance with the terms of the Federal Funds Agreement.

United Bankers' Bank retains the right within its discretion to change or modify its Fed Funds program. In particular, customer financial performance or market strategies initiated by a customer that significantly raises risk as determined by UBB may result in Fed Fund borrowings being limited, subject to interest rate increases, available on a secured basis only, or not available at all.

We encourage you to review the Federal Funds Agreement for the complete terms of the United Bankers' Bank Fed Funds Program, and contact your Correspondent Banking Officer with any questions you may have.

View UBB's Regulation F financial highlights.
Ensure your bank’s funding needs are met on time. Contact a UBB Fed Fund expert today!