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Advances

Our broad menu of short-term and long-term funding options provide members with reliable, cost-effective liquidity to manage capital and interest rate risk for their institutions.

Advance Rates Have Moved to eAdvantage

As of July 1, 2025, advance rate indications are now exclusively available for members on eAdvantage. Find more information on accessing rate indications within eAdvantage and setting up users through our news announcement linked below.

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advance rates are now on eAdvantage

Market Rates

Download Product Rate Sheet - Excel, PDF, Print

Indications as of 7/31/2026 at 8:50 AM

DescriptionRate
SOFR3.650%
30 Day T-Bill3.665%
91 Day T-Bill3.767%
182 Day T-Bill3.944%
1 Year Treasury4.027%
2 Year Treasury4.247%
3 Year Treasury4.299%
5 Year Treasury4.388%
7 Year Treasury4.527%
10 Year Treasury4.674%
15 Year Treasury5.042%
20 Year Treasury5.227%
30 Year Treasury5.215%

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Featured

eAdvantage LogineAdvantage is FHLB Des Moines secure, online member site where you can conveniently view statements and reports, monitor account balances, advances, capital stock, collateral and more. Community Investment AdvancesFor members of FHLB Des Moines, meeting the credit needs of their local community is being a good neighbor and is also good business. CollateralWe offer an extensive collateral menu including a variety of real estate loans, mortgage and business loans, government-guaranteed loans, securities and time certificates of deposit. StrategiesThe FHLB Des Moines Relationship Managers and Strategies Teams are your complimentary consulting resource available to provide tools and analysis for your unique markets and opportunities.

Educational Resources

Turning FHLB Des Moines Borrowing Capacity Into On-Balance Sheet Strength Article Turning FHLB Des Moines Borrowing Capacity Into On-Balance Sheet Strength Use FHLB Des Moines Advances to convert your off-balance sheet line of liquidity with the Bank into on-balance, short-term liquidity when needed. Take the advance funds and invest in High-Quality Liquid Assets and earn additional income while improving liquidity. How to use the Symmetrical Prepayment Advance White Paper How to use the Symmetrical Prepayment Advance The Symmetrical Prepayment Feature is an optional add-on available for any plain-vanilla, fixed-rate bullet or amortizing advance with FHLB Des Moines that has a term of one year or longer. Funding Strategies to Protect Yourself Against Interest Rate Risk Article Funding Strategies to Protect Yourself Against Interest Rate Risk Regardless of your interest rate sensitivity position, FHLB Des Moines has a multitude of advance products to provide protection against future economic disruptions or yield curve volatility. Advance Restructuring For Your Institution Article Advance Restructuring For Your Institution If your institution has outstanding Federal Home Loan Bank of Des Moines Advances and would like to extend your duration, FHLB Des Moines offers restructuring Advances using the Blend & Extend strategy.

See all educational resources regarding this topic.