Educational Resources

Advances Article Q4 2025 Quarterly Economic Update Q4 2025 Quarterly Economic Update Advances 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. Advances Whitepaper 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. Advances 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. Advances Article Enhancing Short-Term Earnings with FHLB Des Moines Advances Opportunities to increase interest income with minimal additional risk are limited. However, FHLB Des Moines offers a strategic option: utilizing short-term FHLB Des Moines advances intra month to capitalize on short-term investment opportunities. Affordable Housing Whitepaper Down Payment Product Guide Our member financial institutions have access to grant funds to provide down payment and closing cost assistance to income eligible owner-occupant households with incomes at or below 80% of area median income (AMI). Affordable Housing Article 2026 Updates to Down Payment Reservation Process We are pleased to share that, effective January 2, 2026, the process for reserving Down Payment Product funds will be easier. Member Services Article Common Causes of Loan Ineligibility Each year, FHLB Des Moines assesses the causes of loan ineligibility from Member Collateral Verifications (MCVs) in the prior year. The primary causes tend to be the same matters, notably: loan coding and title work. Member Services Video/Webinar Collateral Training: The MCV Process This training covers the core concepts you need to know about the MCV process – the who, what, where, when, why and how's of an MCV. Advances 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. Affordable Housing Article Home$tart Turns Setback Into Stability An unexpected event turned into a loss of hope for a family's home purchase, until a $15,000 Home$tart grant helped cover costs and keep their dream alive. Affordable Housing Article “Two” Good: Minnesota Teacher Taps Two Programs to Buy First Home First State Bank and Trust and FHLB Des Moines Partner to Help First-Time Homebuyer