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How to Establish Deposit Rates
Created by host on 11/8/2021 12:37:45 PM

‘Tis the season to be rate jolly. Why? If you don’t change deposit rates soon, competitors will. Read how and why below:


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Lake Forest, IL (November 8, 2021)   Deposit rates are closely linked to U.S. Treasury Rates. The key to rate pricing.
The total value of the U.S. Treasury Market at $28.4 Trillion is 30% larger than the size of the Deposit Market at $22.1 Trillion. However, the two markets are fundamentally connected by pricing.        
For transaction-oriented deposit services such as savings, checking, and Money Market Deposit Accounts (MMDAs), the rates are always underpriced in relationship to the corresponding Treasury Rate (T-Rate). READ FULL ARTICLE

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