Subordinated Debt Program

Subordinated debt can help credit unions meet or exceed their strategic goals. Whether net worth is a limiting factor, or additional capital is needed to support growth and expansion, issuing sub debt can help some credit unions reach new heights. With the NCUA’s Subordinated Debt rule, access to subordinated debt is extended to Complex Credit Unions and New Credit Unions in addition to those with low income designations.

With the introduction of the new regulation, combined with the inflow of deposits with COVID stimulus funds, there is heightened interest from credit unions for subordinated debt. Credit unions will need to decide which side of the transaction they want to be on, whether they become an issuer or an investor.

Explore the Sub Debt Program

  • To Issue or to Invest, That Is the Question

  • What Subordinated Debt Solutions Do You Need?

  • Our Sub Debt Timeline

  • Your Credit Union's First Choice for Subordinated Debt

  • Our Sub Debt Partners Assist You at Every Step




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*This website is neither an offer to sell nor a solicitation of an offer to buy any security, which is only allowable by a prospectus, as supplemented. A prospectus, as supplemented, must proceed any material on this website to fully understand all of the implications and risks of the offering to which it relates. No regulatory agency has passed on or endorsed the merits of any product of offering discussed herein. Any representation to the contrary is unlawful.

**Investments offered through Credit Union Investment Solutions, LLC. (“CU-ISI”) member FINRA/SIPC