Resources
Resources
Plain answers to the questions bank and credit union teams bring us. Most start from what finance chiefs, lending and product leaders, branch leaders and investors told us they were stuck on. One is written for your customers and members. Free to read. No sign-up.
Guides
What does a deposit rate increase really cost?
A rate increase is paid on every balance it reaches, not only the new money. How to count it, and how to limit it.
Read the guideDeposit pricingWhere should a bank or credit union price a deposit rate?
Pricing at the median is a habit, not a decision. Reading the market, the three positions, and keeping score.
Read the guideCompetitive intelligenceHow should you track what competitors offer?
What to track beyond rates, who counts as a competitor, how often to look, and why every review should end on a recommendation.
Read the guideBranchGolf simulators or espresso bars?
Banks are building branches again. What makes a visit worth it is a banker customers trust, and how newer bankers get there.
Read the guideAI assistantsWhat do AI assistants tell people about local banks and credit unions?
We asked three assistants about banking in Denver. Who got named, what was out of date, and what an institution can do.
Read the guideFor customers and membersChecking, savings, money market or a certificate: which account does what?
What each account is for, what it asks of you before it pays more, how to read a rate, and how deposit insurance works.
Read the guideReference
Shrug Zone, Switch Lines, Full Reprice Cost, Pass-Through Days
Four measures, defined once. What each means, and what it does not claim.
See the definitionsGlossaryDeposit pricing, credit union and AI assistant terms
From ALCO and deposit beta to field of membership and maturity retention. Plain definitions, and where usage varies.
Open the glossaryPressFor reporters and editors
The company description, how to cite our research, and who to contact.
Press information