11 Federal Home Loan Banks
Privately funded, member-owned cooperatives that provide a steady, reliable source of liquidity to financial institutions across the country.
Providing Growth Capital
Resilient financial institutions are the bedrock of strong, thriving communities. Through our members, community banks, credit unions, commercial, insurance companies, and community development financial institutions, we provide capital that helps communities move forward.
The FHLBanks are deeply committed to expanding access to affordable housing and community development.
Each FHLBank annually devotes at least 10 percent of its net income to the Affordable Housing Program (AHP), delivering millions of dollars of grant funding to families and communities. In addition, each FHLBank provides voluntary contributions to expand the reach of housing and local investment efforts, supporting regionally tailored programs that address housing affordability challenges.
Funding
$1.1+ Billion
In 2025, the FHLBanks were assessed a combined total of $632 million for AHP and provided an additional $507 million in voluntary contributions, for a total of more than $1.1 billion in funding for affordable housing and community development initiatives across the country.
Explore the 11 district FHLBanks
Supporting Communities Nationwide
Local communities are the fabric of our nation. Financial institutions across the country rely on regional FHLBanks for funding to support their local economies.
By harnessing the collective power of their members, the FHLBanks bring efficiencies and cost savings to every city, town and county in the nation. It is a model that works in support of lenders who put community first.
