The 11th District of the Federal Home Loan Bank (FHLB) system is comprised of all savings and loan institutions in Arizona, California and Nevada. The 11th District Cost of Funds Index, also known as COFI, measures the cost to member institutions for borrowing funds from the FHLB of San Francisco or the 11th District. Data is gathered from members for the COFI and is published by the FHLB of San Franciso after 3 P.M. on the last business day of the month. The 11th District Cost of Funds is a very stable index and is tied to many variable rate home loans. The index is reported monthly with a two-month lag factor, meaning, for example that the index for June is reported in August.
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11th District Cost of Funds
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Historic Tables
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|
Year |
Jan
|
Feb
|
Mar
|
Apr
|
May
|
Jun
|
Jul
|
Aug
|
Sep
|
Oct
|
Nov
|
Dec
|
| 2010 |
1.786 |
1.614 |
1.859 |
1.825 |
1.791 |
1.797 |
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|
Year |
Jan
|
Feb
|
Mar
|
Apr
|
May
|
Jun
|
Jul
|
Aug
|
Sep
|
Oct
|
Nov
|
Dec
|
| 2009 |
2.455 |
2.003 |
1.627 |
1.380 |
1.832 |
1.599 |
1.473 |
1.412 |
1.272 |
1.259 |
2.094 |
1.828 |
| 2008 |
3.970 |
3.560 |
3.280 |
3.111 |
2.918 |
2.829 |
2.698 |
2.693 |
2.769 |
3.125 |
3.155 |
2.757 |
| 2007 |
4.392 |
4.376 |
4.299 |
4.224 |
4.293 |
4.283 |
4.277 |
4.359 |
4.383 |
4.233 |
4.172 |
4.072 |
| 2006 |
3.347 |
3.604 |
3.624 |
3.759 |
3.884 |
4.090 |
4.177 |
4.277 |
4.382 |
4.346 |
4.358 |
4.396 |
| 2005 |
2.183 |
2.317 |
2.400 |
2.515 |
2.622 |
2.676 |
2.757 |
2.870 |
2.972 |
3.074 |
3.190 |
3.296 |
| 2004 |
1.811 |
1.841 |
1.815 |
1.802 |
1.708 |
1.758 |
1.816 |
1.875 |
1.931 |
1.960 |
2.025 |
2.118 |
| 2003 |
2.308 |
2.257 |
2.210 |
2.208 |
2.130 |
2.113 |
2.018 |
1.946 |
1.923 |
1.909 |
1.821 |
1.902 |
| 2002 |
2.832 |
2.744 |
2.653 |
2.723 |
2.772 |
2.847 |
2.821 |
2.763 |
2.759 |
2.708 |
2.537 |
2.375 |
| 2001 |
5.514 |
5.426 |
5.198 |
4.946 |
4.745 |
4.498 |
4.274 |
4.106 |
3.974 |
3.628 |
3.368 |
3.074 |
| 2000 |
4.901 |
4.967 |
5.002 |
5.078 |
5.196 |
5.357 |
5.456 |
5.509 |
5.548 |
5.589 |
5.607 |
5.617 |
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|
Year |
Jan
|
Feb
|
Mar
|
Apr
|
May
|
Jun
|
Jul
|
Aug
|
Sep
|
Oct
|
Nov
|
Dec
|
| 1999 |
4.608 |
4.562 |
4.519 |
4.490 |
4.480 |
4.504 |
4.500 |
4.562 |
4.608 |
4.666 |
4.773 |
4.852 |
| 1998 |
4.987 |
4.968 |
4.917 |
4.903 |
4.881 |
4.881 |
4.911 |
4.899 |
4.882 |
4.762 |
4.691 |
4.655 |
| 1997 |
4.821 |
4.759 |
4.780 |
4.822 |
4.864 |
4.853 |
4.887 |
4.904 |
4.941 |
4.957 |
4.949 |
4.963 |
| 1996 |
5.033 |
4.975 |
4.874 |
4.841 |
4.823 |
4.809 |
4.819 |
4.839 |
4.834 |
4.839 |
4.835 |
4.842 |
| 1995 |
4.747 |
4.925 |
5.007 |
5.064 |
5.141 |
5.179 |
5.144 |
5.133 |
5.111 |
5.116 |
5.119 |
5.059 |
| 1994 |
3.710 |
3.687 |
3.629 |
3.672 |
3.726 |
3.804 |
3.860 |
3.945 |
4.039 |
4.187 |
4.367 |
4.589 |
| 1993 |
4.360 |
4.333 |
4.245 |
4.171 |
4.103 |
4.050 |
3.998 |
3.958 |
3.881 |
3.823 |
3.822 |
3.879 |
| 1992 |
6.002 |
5.800 |
5.611 |
5.427 |
5.290 |
5.258 |
5.069 |
4.874 |
4.805 |
4.597 |
4.508 |
4.432 |
| 1991 |
7.858 |
7.848 |
7.654 |
7.501 |
7.329 |
7.155 |
6.998 |
6.845 |
6.714 |
6.566 |
6.414 |
6.245 |
| 1990 |
8.369 |
8.403 |
8.258 |
8.211 |
8.171 |
8.086 |
8.109 |
8.075 |
8.091 |
8.050 |
8.044 |
7.963 |
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Year |
Jan
|
Feb
|
Mar
|
Apr
|
May
|
Jun
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Jul
|
Aug
|
Sep
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Oct
|
Nov
|
Dec
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| 1989 |
8.125 |
8.346 |
8.423 |
8.648 |
8.797 |
8.923 |
8.844 |
8.763 |
8.807 |
8.643 |
8.595 |
8.476 |
| 1988 |
7.615 |
7.647 |
7.509 |
7.519 |
7.497 |
7.618 |
7.593 |
7.659 |
7.847 |
7.828 |
7.914 |
8.022 |
| 1987 |
7.396 |
7.448 |
7.314 |
7.245 |
7.223 |
7.274 |
7.275 |
7.277 |
7.394 |
7.444 |
7.562 |
7.645 |
| 1986 |
8.770 |
8.964 |
8.744 |
8.587 |
8.441 |
8.374 |
8.196 |
8.018 |
7.901 |
7.717 |
7.602 |
7.509 |
| 1985 |
10.217 |
10.160 |
9.976 |
9.872 |
9.704 |
9.565 |
9.365 |
9.273 |
9.129 |
9.027 |
9.036 |
8.867 |
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