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depositoptimizeressentials

Last Year’s High-Rate CDs Are Coming Home To Roost

Financial institutions will need to sustain high CD rates to retain balances, especially because deposit betas are likely to lag any downward actions by the Fed.
READ TIME: 1 MIN

March 12, 2024

How Credit Unions Can Meet Their Deposit Targets

For credits unions looking to attract and retain member deposits in today’s high-rate environment, much has changed since this stage of the last rate cycle.
READ TIME: 2 MINS

January 22, 2024

November MBS Rally Is Helpful, But Not Enough

From November 10 to December 6, mortgage-backed security prices rallied by 255 bp as a result of several factors that were consistent with a shift in both Federal Reserve and market outlooks. But has the run-up been enough to favorably affect origination volume? The short answer is no.
READ TIME: 2 MINS

December 14, 2023

A Preview Of The Coming CD Renewal Surge

Early returns from the looming tidal wave of CD renewals show that retention is holding up. But it’s still early, and deposit rates are likely to remain elevated. So a well-honed CD-renewal strategy in 2024 will be more important than at any time in the last 15 years.
READ TIME: 2 MINS

November 20, 2023

Now May Be The Time For A Brand Refresh

In today’s highly competitive digital environment, maintaining brand equity to engage today’s customers and digital natives is becoming increasingly important, and challenging. That’s why several of them have recently taken on a whole new brand identity.
READ TIME: 1 MIN

November 15, 2023

Branch Count Continues Downward, But At A Slower Pace

After two years of COVID-accelerated branch closures, financial institutions have now slowed the pace of consolidations, but the shuttering of in-store branches continues to accelerate. Meanwhile, super-regional and regional banks have been disproportionate in driving the overall reduction in branch counts.
READ TIME: 2 MINS

November 8, 2023

To Gauge A Consumer’s Channel Preference, Consider The Entire Portfolio

When it comes to communication preferences by channel, consumers vary widely, but not necessarily by demographics. Much more predictive are the content of the communication and where the individual is on the marketing journey. Marketers need the tools and analytics to discover which combination of these variables will most likely succeed at each stage of a campaign.
READ TIME: 2 MINS

November 6, 2023

2024 Deposit Growth May Not Meet Expectations

Well over half of banking professionals say their institution will grow deposits by 1% or more in 2024. But fully 84% of these same respondents said the industry would stay flat or lose deposits. We applaud the self-confidence, but the math could be against it, so we counsel caution.
READ TIME: 2 MINS

October 20, 2023

The Need For A Deposit Playbook

The migration of deposits from physical locations to digital is accelerating rapidly, thanks to technology, changing consumer preferences and the reemergence of high-rate CDs.
READ TIME: 2 MINS

October 12, 2023

Curinos (F)insights: Better Deposit Pricing For Smaller Banks And Credit Unions

Agusta Patton, Head of Markets Client Solutions at Curinos, discusses today’s challenging deposit-pricing environment and explains how data-driven insights generated by Curinos’ new Deposit Optimizer Essentials solution, launching October 18th, can help smaller institutions price right and increase profitability.
READ TIME: 10 MINS

October 11, 2023

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