Tricorp Federal Credit Union Services Investments: In today’s complex financial marketplace, Tricorp’s task is to make investing surplus funds easier. Tricorp offers a wide array of high quality investment options allowing your credit union to customize your investment portfolio. Assuring you maximum safety and liquidity, Tricorp’s investment solutions include:      Membership Capital Share Account      Overnight Account (includes settlement)      Premium Overnight Investment Account      Term Certificates      Structured Certificates      SimpliCD Overnight Account: Tricorp’s Overnight Account offers a two-tiered rate structure based upon balances of less than $5 million and $5 million or more. Both tiers pay very competitive rates and require no management of funds. The system automatically accrues the rate daily, based on the balance at the end of the day after settlement is posted. Interest is paid monthly. Funds are immediately available and can be used to settle any payment activity. Premium Overnight Investment Account: Tricorp’s Premium Overnight Investment Account was designed to offer immediate access to your funds while paying the highest rates. Funds can be withdrawn or deposited as desired as long as a 1 0 million balance is maintained.  The rate offered on the Premium Overnight Investment Account is closely correlated to the Fed Funds rate. Term Certificates: Tricorp members are finding that it makes sense to ladder their investments. With Tricorp’s term certificates, members are able to invest in varying terms to get better yields and still have sufficient access to their cash. Terms from 32 days to 5 years are available at very competitive rates. Structured Certificates: Tricorp offers a full line of structured certificates through periodic investment specials. Step-up Certificates, Fixed Callable Certificates, Amortizing Certificates and Floating Rate Asset Programs (FRAPs) offer features designed to fit every credit union’s needs. SimpliCD: Tricorp is pleased to be able to offer its members another investment alternative. SimpliCD is a certificate of deposit program that enables you to easily invest substantial funds in federally insured, brokered CDs. Each day, SimpliCD searches its nationwide network of issuers for the best rates on federally insured jumbo CDs. Our SimpliCD rate sheet will show you daily rates for CDs in terms ranging from 30 days to five years and in amounts from $99,000 to 1,000,000. Placements are made by purchasing multiple CDs in $99,000 or 100,000 increments at separately insured issuers. A detailed tracking system assures that we place no more than 100,000 of your principal in any single financial institution within the SimpliCD program. SimpliCD purchases the CDs in a custodial capacity on your behalf, passing all federal insurance benefits through to you. You remain the legal owner of the CDs. SimpliCD tracks, monitors and collects all of your earnings. Your single, consolidated monthly interest payment will be directly deposited into your settlement account for all of your SimpliCD investments. In addition to your daily transaction statements, SimpliCD provides you with one monthly statement that details your entire SimpliCD portfolio. SimpliCD is a convenient way to maximize your return with minimum effort. You’ll achieve higher yields than alternative investments without the hassle, time and expense of investigating potential issuers, purchasing the CDs, and tracking the activity yourself. When you start investing through SimpliCD, your life gets less complicated.      No more phone calls to multiple issuers to find competitive rates      No more multiple wire transfers to purchase multiple CDs      Flexible terms and amounts that fit into your investment strategy      Free third-party performance reviews on SimpliCD issuers that help you make more informed investment decisions      Single transaction settlement with no transaction fees      Consolidated monthly reports for easier accounting and auditing      The security of investing with federally insured institutions Compare SimpliCD to other methods of purchasing jumbo CDs. With SimpliCD there are no annual fees, wire fees or transaction fees, the rates are very competitive, you need only to complete one agreement and one corporate resolution at the time you sign up ---- no matter how many different issuers you purchase from, and your investments are conveniently consolidated on one monthly statement.  SimpliCD also has an “issuing” side of the program, which makes raising deposits for your credit union from a national network of investors quick and efficient. Securities Safekeeping: Tricorp provides members with a full custodial service for securities and certificates while adhering to safety provisions outlined by the NCUA. Virtually any security is eligible for the program – negotiable and non-negotiable. By working with the vast corporate credit union network, credit unions take advantage of the network’s ability to settle securities efficiently. Together with U.S. Central CU we provide complete support and service for the program.