attd

With CD Rates Falling, High-Yield Savings Accounts Are the Big Winners

Over the past two years, during which the Fed implemented its most aggressive rate-hiking regimen of the last decade, demand for CDs surged to a new peak. Now, as rates have fallen, banks have moved quickly to follow the Fed’s lead in reducing CD rates to depositors at an 80%+ beta, and the impact has come quickly.

READ TIME: 2 MINS

April 29, 2025

According To The Data // Insights

Successful De Novo Branching
Calls for the Right Ingredients

In search of core customer growth, many banks have announced investments in de novo branches to provide them with access to new pools of customers.

READ TIME: 1 MIN

April 24, 2025

According To The Data // Insights

Among Wealth Clients, CDs Have Their Limits

At their peak last summer, retail CDs accounted for nearly 30% of all wealth-deposits acquisition balances, thanks to offers on yields from many banks of over 500 bp.

READ TIME: 1 MIN

April 22, 2025

According To The Data // Insights

The Outlook for Home Equity Lending: Cautious Optimism

Curinos is projecting a 6-10% increase in home equity originations this year compared with 2024, driven largely by an impressive 16% year-over-year growth rate in Q1.

READ TIME: 1 MIN

April 17, 2025

According To The Data // Insights

Treasury Management Rides Pricing to Strongest Growth Since 2021

Gross treasury management (TM) fees were up 6.6% for the full year 2024. This was nearly double the rate that the average bank saw in 2022 and 2023 and slightly below 2021 growth, which was buoyed by fees from historically high levels of DDA.

READ TIME: 1 MIN

April 15, 2025

According To The Data // Insights

UK Digital Banking:
Today, It’s Got To Be About Engagement

The pace of change in UK digital banking accelerated rapidly after the onslaught of COVID, with the number of active digital users doubling since 2019.

READ TIME: 1 MIN

April 10, 2025

According To The Data // Insights

A Chatbot-First Approach
Relies on Relationship Data

Many U.S.-based retail checking providers are adding more core capabilities to their in-app chatbots. It reflects a growing trend of conversational and data enhancements that are allowing banks to make chatbots the focal point of customer engagement.

READ TIME: 1 MIN

April 8, 2025

According To The Data // Insights

To Maximize CD Retention at the Right Price, Look to Segmentation

Nearly $2 trillion of CDs will mature this year. How FIs mange those maturities could mean hundreds of millions in value gained or lost.

READ TIME: 1 MIN

April 3, 2025

According To The Data // Insights

Brokerage Cash Sweeps:
No Longer Just the Leftovers

The traditional rule-of-thumb has been that wealth clients hold 5-7% of their assets under management (AUM) in their cash sweeps account. This is the leftover uninvested cash that’s swept to a FDIC-insured bank deposits account overnight—generally enough to cover fees and trades.

READ TIME: 1 MIN

April 1, 2025

Categories

Want to go further?

Our Solutions

Who We Help

Our Company

Subscribe

Follow Us

Comparative Analytics

Optimization Platforms

Intelligent Data

Need to contact a specific team?

Financial Institutions

Need to contact a specific team?

Curinos Review

According To The Data

Curinos Perspectives

Need to contact a specific team?

Need to contact a specific team?

Need to contact a specific team?

Let's start a conversation...