Delivering member value
We were created by Congress in 1932 to provide housing finance access to our members. We are now one of 11 privately owned and capitalized FHLBs and do not use any taxpayer dollars. Only financial institutions that meet statutory requirements are eligible to become member stockholders and participate in our programs. These programs earn a profit for the FHLB, most of which is returned to members through a dividend or reinvested in our three state district through grants.
Programs & Services
We provide fully secured Advances and issue Letters of Credit.
We are an alternative to the traditional secondary mortgage market, purchasing high quality, fixed rate residential mortgage loans.
We provide grants and below market rate Advances when used for affordable housing and community lending purposes.
We can help our members with other day-to-day back-office and analytical programs.
Osgood State Bank
This Ohio bank uses the Mortgage Purchase Program, Advances, Welcome Home and other FHLB Cincinnati products to serve communities in four rural Ohio counties.Read More
St. Henry Bank
St. Henry, Ohio
"Using MPP has absolutely made us better. It’s allowed us to be much more competitive in the marketplace."Read More
United Cumberland Bank
Whitley City, Ky.
"Welcome Home helps people to buy homes, gives them an entry into the economy system and helps them to build wealth and change lives."Read More