Investments

Mid-Atlantic Corporate's Investment Department facilitates liquidity for its member credit unions. To do this, Mid-Atlantic strictly adheres to the principles of Safety, Liquidity, and Yield.

Funds invested by Mid-Atlantic Corporate are placed in the highest rated instruments. We have received an individual rating of A/B and the highest short term rating of F1+ from Fitch, a premier credit rating system that specializes in the analysis of financial institutions.

Overnight Investment Accounts

Members can direct excess liquidity to an Overnight Investment Account (OIA) that is comparable with the excess reserves bought and sold by commercial banks (Federal Funds).

Mid-Atlantic Corporate offers members a tiered rate structure on the Overnight Investment Account based on the balance your credit union has in the account each day. Members have the opportunity to earn more as they increase the balance of funds held in the account.

90-day Notice Account

This 90-day notice account has a minimum deposit requirement of $5,000. There is no incremental amount required for deposits or withdrawals. Dividends are accrued daily and paid monthly into the credit union's Transaction Account . The rate is subject to change daily.

Fixed Rate Certificates

Mid-Atlantic Corporate offers its members Fixed Rate Certificates for periods of one day to five years. Although rates can change at any time based on market activity, the rate at the time of certificate purchase remains fixed. We suggest checking current rates before purchasing a certificate

Fixed Callable Share Certificates

Fixed Callable Share Certificates are an alternative to the traditional fixed term Fixed Rate Certificate. With a callable certificate, the issuer has the option to call the investment before its scheduled final maturity, depending on market conditions at the time of various call dates.

Securities Safekeeping

Securities Safekeeping is the storage and protection of securities by an institution. Book-entry and physical securities can be kept through Mid-Atlantic Corporate. Periodic principal and interest payments are credited directly to the credit union's Transaction Account. Security Safekeeping reports can be accessed via Zephyr^®.

Reverse Repurchase Agreements

Certain securities owned by a credit union may be sold with an agreement to repurchase at a specified maturity.

Asset/Liability Management

Today's credit unions face the challenging task of managing their assets and liabilities. Mid-Atlantic Corporate understands the importance of proper asset/liability management. That is why we have added Fisher-Rager Consulting and FIMAC Solutions, LLC as ALM partners, to help credit unions identify the asset/liability management tools that best suit their needs.

Fisher-Rager Consulting
Fisher-Rager Consulting specializes in supporting the credit union industry in desired asset/liability management. Fisher-Rager Consulting works with credit union boards, management, and regulators in providing clients with independent risk measurement, ALM advisory services, and balance sheet strategy formation.

Fisher-Rager Consulting offers these services individually or by group:

Board Education: ALM
Independent A/L Assessment
Independent A/L Advisory Services
Measuring Interest Rate and Market Value Risks
Basic and Advanced Model Support
Model Validation
Policy Formation or Update
Hedging Interest and Market Risks
Designing Credit Union Balance Sheet Strategies

FIMAC Solutions, LLC
FIMAC Solutions, LLC specializes in providing risk management and profitability solutions to their credit union clients. FIMAC’s products and services are comprised of proprietary software solutions such as The Risk Analytics^®, an ALM interest rate risk model, Balance Sheet Manager™, a “what if” analysis tool, and the easy-to-use Leading Light™ Budgeting Model. The Interest Rate Risk management report allows credit unions to understand how changes in interest rates and the resulting change in cash flows of balance sheet items affects future earnings and Net Equity Value (NEV). Armed with this information, management can perform its own dynamic "what if" analysis using FIMAC Solutions' Balance Sheet Manager™ (BSM) software. Leading Light™ is a budget tool designed to work with data produced by the interest rate risk model and Balance Sheet Manager™. Other reports available through FIMAC Solutions, LLC include Back Test and Sources of Risk.

Brokered Investments

Mid-Atlantic Corporate offers broker-dealer services through CU Investment Solutions, Inc.*(ISI) Corporate Agent Program.

The Corporate Agent Program is a product of ISI through which an employee of Mid-Atlantic Corporate is a registered representative of ISI operating out of a branch office located at the Corporate.

The brokerage services provided through the Corporate Agent Program of ISI offer permissible credit union investments including:

U.S. Treasuries
New Issue Agencies
Secondary Bullet & Callable Agencies
Collateralized Mortgage Obligations
Corporate Bonds

Daily rates are posted for the ISI Corporate Agent Program on the "Daily Rates" page of Mid-Atlantic Corporate's web site. For PDFs of the ISI Corporate Agent Program Agreements, log on to Zephyr^®. After logging into Zephyr^®, the agreements can be located under the Documents link.

*CU Investment Solutions, Inc. is a wholly owned subsidiary of U.S. Central Federal Credit Union. ISI is a member NASD and SIPC whose home office is located at 9701 Renner Blvd., Suite 350, Lenexa, KS 66219. ISI's brokered marketable securities are not insured by the NCUSIF, are not guaranteed by the corporate credit union, and are subject to market risk.

SimpliCD

SimpliCD, a comprehensive CD brokerage management and reporting system, is a unique certificate of deposit program that allows credit unions to purchase jumbo CDs that are custom-laddered. The SimpliCD program is structured specifically to provide coverage by federal insurance. This unique way to purchase certificates offers the following advantages:

Competitive Rates
Simplified and Consolidated ALM Reporting
Portfolio Flexibility
Safety and Convenience

In addition to these four valuable benefits, the program is effective because it offers several advantages over other investment programs. The SimpliCD program offers higher rate opportunities through a nationwide network of bank and savings associations and simplifies the members' task of locating the most competitive rates available in the country.

To help manage changes in market conditions, Mid-Atlantic Corporate will share current rate sheets each day via email with participating members. In addition, current daily rates are posted on the "Daily Rates" page of Mid-Atlantic Corporate's web site.