Liquidity Solutions
Liquidity Solutions Built Around Your Balance Sheet
Reliable, flexible access to funding.
Meeting member needs is your number one priority. Strong liquidity gives your credit union the ability to keep lending, manage unexpected outflows, and respond to opportunities without disrupting day-to-day operations. Tricorp offers flexible funding and borrowing solutions built around your balance sheet, with responsive support and processing tied directly to your Overnight Account.
Funding the Moments that Matter
Liquidity needs can come from everyday operations, unexpected changes, or new opportunities. Explore funding options that help you respond without losing momentum.
- Keep Daily Operations Moving
Cover settlement shortfalls, temporary cash needs, and unexpected share withdrawals without disrupting normal operations or member service. - Support Lending & Growth
Stay ready to meet increased loan demand and pursue lending opportunities, even when available deposits or cash on hand are limited. - Plan for What’s Ahead
Prepare for seasonal outflows, anticipated funding needs, or longer-term borrowing with options that give your credit union greater flexibility and control
Line of Credit
Members of Tricorp have access to our pre-approved line of credit for dependable liquidity for settlement shortfalls, unexpected loan demand, high share withdrawals, and seasonal outflows. Once established, the line is automatically accessed when your Overnight Account falls below your average daily settlement balance, helping your credit union cover day-to-day funding needs without unnecessary disruption.
The line carries a variable rate that adjusts with market conditions, giving your credit union a flexible, cost-effective source of backup liquidity when timing matters most.
Term Loans
For more defined funding needs, Tricorp offers short-term loans. Fixed and variable rate short-term loans for pre-approved amounts gives credit unions another way to access liquidity at an attractive rate.
Raise Liquidity Through SimpliCD
SimpliCD Issuance gives credit unions a centralized way to raise deposits and generate liquidity through a nationwide market of more than 3,500 potential credit union CD investors. Through the program, your credit union can attract deposits, depending on investor demand and your issuance terms, while offering a competitive alternative to traditional borrowing.
Member credit unions receive:
- Assistance developing issuance terms
- The ability to pool multiple investors into one CD
- No subscription or broker fees
- Access to a nationwide investor network
- Simplified settlement and administration through Tricorp
Third Party Assurance with Letters of Credit
Tricorp can issue a Letter of Credit on behalf of a member credit union to provide a third party with documented assurance of payment. This can be useful when organizations such as utilities or municipalities require a monetary deposit or other payment guarantee.
Tricorp’s Letters of Credit are issued for a defined amount and period and are secured by pledged securities or shares. They provide a low-cost way to meet certain guarantee requirements without unnecessarily tying up cash that could remain available for other member and operational needs.
More Ways to Strengthen Your Financial Position
Liquidity is one part of a broader financial strategy. Tricorp also helps credit unions manage excess funds and plan for changing balance sheet conditions.
Growth Opportunities
If you have more liquidity than you need, explore our Investment Solutions for options designed to support competitive returns at an appropriate level of risk.
Plan With Greater Visibility
Our Asset Liability Management services can help your credit union better understand interest rate risk, liquidity, and other balance sheet dynamics so you can plan with greater confidence.
Plan Your Next Funding Move
Not sure which funding option fits? Together, we evaluate current liquidity needs, prepare for future funding demands, and choose options that fit your credit union’s goals, timing, and financial position.
Planning ahead can make all the difference. Even if you do not need additional liquidity today, our team can help you put the right resources in place before the need becomes urgent.