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Dec 17, 2020 While interest rates have plummeted in recent months, Cumberland County still enjoys low variable rates on its long-term debt. Scott Gibson with Cumberland Securities said the county could consider converting some of its variable-rate loans to fixed rates in the coming months, but added, “financially, there’s not really a savings to do that. But there’s not really a cost.” The county has about 43% of its debt in variable rate loans, with 26% in fixed-rate loans and 31% in synthetic fixed-rate loans. The county’s debt management policy calls for a ratio of 65% fixed and 35% variable rate debt. “We could change the chart and make the graph look different,” he said. “But when it comes to making the payments, your payments are going to be the same.”

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