retaildepositratefee Archives - Page 2 of 8

Raising Meaningful Deposits In 2024: Buy Or Build?

For financial institutions looking to grow deposits significantly, a key question becomes whether buying them via acquiring another institution would be more advantageous than building them organically.

READ TIME: 9 MINS

January 10, 2024

Curinos Review // Insights

Deposits In ’24: It’s Gonna Cost You

2024 will be a great year to grow deposits for any institutions ready to spend big. For many or even most banks and credit unions, more modest goals may make more sense.

READ TIME: 8 MINS

January 10, 2024

Curinos Review // Insights

2024: The Year Of The Liquidity Manager

The base case for 2024 is that the economy will continue along a path of moderate growth, inflation will continue to normalize, and the Fed will gradually cut interest rates by 75 basis points over the course of the year while continuing to wind down its balance sheet.

READ TIME: 7 MINS

January 10, 2024

Curinos Review // Insights

Realizing The Promise Of Generative AI

In 2024, generative AI (GAI) will accelerate in use for acquiring customers, detecting fraud, reducing compliance costs, boosting customer lifetime value and more.

READ TIME: 5 MINS

January 10, 2024

Curinos Review // Insights

Core Deposits Needed: Build Branches Or Close Them?

In the face of rising expense pressure and the continued need for low-cost deposits in a ‘higher-for-longer’ rate environment, all banking institutions in 2024 will struggle with the question of what to do with their branch networks.

READ TIME: 6 MINS

January 10, 2024

Curinos Review // Insights

More Mortgage Malaise, Higher Hopes For Home Equity

Curinos expects many of today’s mortgage market challenges – affordability, inventory, lack of demand – to persist in 2024, with a material recovery not likely until 2025.

READ TIME: 5 MINS

January 10, 2024

Insights // This Month In Retail Banking

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

Curinos Perspectives // Insights

Curinos Perspective: Taking Stock Of The Rate Cycle And Its Implications

As expected, the FOMC held the Fed Funds rate unchanged at a target range of 5.25% to 5.5%. Current market expectations are that we’re at the peak rate for this cycle and that modest cuts will come through 2024.

READ TIME: 4 MINS

December 13, 2023

Insights // This Month In Retail Banking

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

Insights // This Month In Retail Banking

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

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