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FLCLASS

Prime-style local government investment pool 

FLCLASS Enhanced Cash

Enhanced cash local government investment pool 

Yields

Current and historical rate information

Overview

A comprehensive introduction to the different FLCLASS portfolios 

Board of Trustees

Get to know our diverse and experienced public finance officials who oversee the program

Service Providers

Our administrator, auditor, custodian, and legal counsel

Document Center

Enrollment documents, prospectuses, and financials 

Insights for Investors

Updates, newsletters, and special reports

Events

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FAQs

Answers to commonly asked questions about FLCLASS

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Getting started is easy; join today and start earning tomorrow!

Client Services

Assistance with your accounts and answers to your FLCLASS questions

Relationship Team

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FLCLASS Investment Options

FLCLASS FLCLASS ENHANCED CASH FLCLASS TERM SERIES

Pooled Investments with a Fixed Rate of Return and Maturity Date

FLCLASS Term Series Investment Pools are pooled investment vehicles, offering investors a fixed rate of return and maturity date. These pools are designed to complement the daily liquidity of the FLCLASS prime-style fund, assisting Participants in optimizing their portfolios to better meet specific cash flow needs.  

Portfolio Composition

Term Series shares represent a beneficial interest in the underlying instruments of the pool, which may include bank deposits, government securities, and municipal securities. Term Series can invest in interest-bearing certificates of deposit and other bank obligations permitted by Florida law. Deposits are either FDIC-insured up to the maximum limit or fully collateralized by pledged securities or letters of credit from Federal Home Loan Banks for amounts exceeding FDIC insurance. Most term series are secured with an FHLB Letter of Credit, providing strong principal protection.

An Comprehensive Approach to Your Investment Program

Complement your investment management strategy with FLCLASS Term Series. New Term Series pools are created on a regular basis with varying maturity dates, so it's important to ensure that the specific Term Series pool you are considering meets your unique investment needs.

Term Series Portfolio Characteristics

Portfolio Type 

Target Maturity Fund
Better suited for strategic reserves 

Collateral

Fully Collateralized 
Secured with an FHLB Letter of Credit 

Liquidity  

Held to Maturity 
Dependent on Term Series  

Withdrawals 

Planned Redemptions 
Designated redemptions between 7 days and 3 years 

Minimum Investment

$1 Million
Each Term Series Pool has a minimum investment of $1 million 

Dividend Rate 

Daily Accrual
Dividends accrue daily and are paid at maturity 

Reporting 

Accessible in Portal 
Conveniently access your monthly statement and transaction confirmations.

FLCLASS Term Series Documents

GET STARTED WITH TERM SERIES

FLCLASS Information Statement

Download

Term Series Investment Policy

Term Series Fact Sheet

Download

Common Term Series FAQs

Term Series investments involve placing funds with FDIC/NCUA-insured institutions for a specific term. While deposits within FDIC/NCUA limits are insured, any amounts exceeding these limits are secured through collateral such as Federal Home Loan Bank (FHLB) Letters of Credit or pledged securities. This collateralization aligns with state statutes, investment policies, and information statements, ensuring principal protection even for large deposits.

The primary risk associated with FLCLASS Term Series  is reinvestment risk in the event a financial institution goes into receivership. However, the collateral is secured to protect principal and interest through maturity or the resolution of the institution’s closure, mitigating potential losses.

FLCLASS Term Series investments exceeding FDIC/NCUA insurance limits, collateral can take the form of:

• Pledged securities, such as municipal bonds or government agency securities, which are safekept through a third-party custodian.
• FHLB Letters of Credit (LOC), which are a direct obligation of the Federal Home Loan Bank, payable upon demand. This provides an alternative to pledging highly liquid securities by utilizing illiquid assets like loans while ensuring immediate liquidity and security for the depositor.

At maturity, the principal and earned interest from your  investment in FLCLASS Term Series are returned to your account within the fund. Participants can then choose to reinvest in a new Term Series or have the funds distributed according to their cash flow needs.

The Term Series pool is not rated; however, they are fully collateralized through FDIC/NCUA insurance, FHLB LOCs, or pledged securities. This structure provides principal protection similar to rated instruments.

FLCLASS Term Series is designed for municipalities, schools, special districts, and other local government agencies. These entities typically have predictable revenue cycles from tax proceeds and user fees, making Term an ideal solution for fixed-term, fixed-rate investments that align with their cash flow and financial planning objective.

Would you like to learn more about FLCLASS Term Series?

Please fill out this form, and an investment professional will contact you shortly.

Many factors affect performance including changes in market conditions and interest rates and in response to other economic, political, or financial developments. Investment involves risk including the possible loss of principal. No assurance can be given that the performance objectives of a given strategy will be achieved. Ratings are subject to change and do not remove credit risk. FLCLASS is not a bank. An investment in FLCLASS is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Please review the FLCLASS Information Statement(s) located in the Document Center before investing. For more information on historical yields, please click here. For risks associated with investing in both a prime-style and enhanced cash-style local government investment pool, please click here. Past performance is no guarantee of future results. Any financial and/or investment decision may incur losses. 

Public Trust Advisors, LLC, a registered investment advisor with the U.S. Securities and Exchange Commission, provides investment advisory services to the Fund.  PMA Securities, LLC, an affiliate of Public Trust Advisors, is a broker-dealer and municipal advisor registered with the SEC and MSRB and is a member of FINRA and SIPC and provides marketing, and securities and other institutional brokerage services to the Fund.

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