retaildepanalyzer

Winning in a Falling Rate Environment: To Finish Strong, Know Your Starting Point

With two FOMC rate cuts now behind us, Curinos Commercial Deposit Analyzer data show that commercial banks have deployed more aggressive strategies in passing betas through than in the prior falling rate cycle beginning in 2019.

READ TIME: 1 MIN

December 12, 2024

According To The Data // Insights

Betas for This Falling Rate Cycle Will be Different

The long-awaited Fed rate reduction cycle has begun, with expectations of falling portfolio rates and NIM relief.

READ TIME: 2 MINS

November 19, 2024

Curinos Perspectives // Insights

Curinos Perspective:
Strategic Retail Planning – 5 Takeaways

From “Driving Customer Growth Through Strategic Retail Planning,” a Curinos webinar on November 14, 2024, presented in conjunction with the brand experience company Adrenaline.

READ TIME: 4 MINS

November 18, 2024

According To The Data // Insights

High-Rate CD Attrition May Be Signaling What’s to Come

With the Federal Reserve initiating the falling rate cycle in September with a decisive 50 bp rate decrease, the era of banks offering a high-rate 500bp+ CDs is quickly drawing to a close.

READ TIME: 1 MIN

November 5, 2024

According To The Data // Insights

Fed’s First Big Cut Means (Surprise!) a Big Gain for CDs

The Fed’s 50 bp salvo in September has marked the official start of the rate downcycle, and FIs across the industry have responded by pulling back rates on both their retail CD and savings products.

READ TIME: 1 MIN

October 10, 2024

Curinos Perspectives // Insights

Curinos Perspective: Down-Pricing in a Falling Rate Environment – State of the Market and 5 Strategic Imperatives

From “How to Optimize Down-Pricing in a Falling Rate Environment,” a Curinos webinar presented on September 24, 2024, in conjunction with Consumer Bankers Association and featuring Curinos managing directors Peter Serene and Robert Warnock.

READ TIME: 5 MINS

September 25, 2024

Curinos Perspectives // Insights

Curinos Perspective: How To Win In Small Business – 5 Takeaways

From “How to Win in Small Business,” a Curinos webinar on September 19, 2024, presented in conjunction with Consumer Bankers Association and featuring Curinos managing director Adam Stockton and Curinos senior vice president Olivia Lui.

READ TIME: 4 MINS

September 23, 2024

According To The Data // Insights

Rates Are Falling, And CDs Are Already Leading The Way

Now that the Fed has weighed in with a half-point rate cut, many financial institutions are under even greater pressure to drop rates to boost sagging profit margins, and so far rates on CDs have led the charge.

READ TIME: 1 MIN

September 19, 2024

According To The Data // Insights

Consumer-Deposit Alert: Money In Motion Is In Decline

After a high volume of money in motion and churn in 2023, CD and savings promotional rates have begun declining in recent months.

READ TIME: 1 MIN

August 15, 2024

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