General Solution:
PDFOvernight Line of Credit Makes Institutions More Efficient Member gains income by staying invested

Even in these times of high liquidity and limited investment options, many FHLBank Topeka members continue to use their FHLBank overnight line of credit (OLOC) to help manage their daily cash position.

Union State Bank in Clay Center, Kansas, realized the benefits of doing just that about 20 years ago, which happened to be right after Sandy Fox came on as their CFO.

At a local trade meeting they met a consultant who convinced the institution a Fed Funds Sold position was not making any money. They were better off investing and using FHLBank’s OLOC to manage their fluctuating cash needs.




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Jeff Steiner image
Regional Account ManagerJeff Steiner785.478.8170
Jeff Steiner has more than 20 years in banking industry. A Nebraska native, Jeff has been with FHLBank for nearly five years and is a SWGSB grad. As the lead of the Lending team, he can provide insight on various funding Solutions.


500 SW Wanamaker Road
Topeka, KS 66606





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