MRI

• Members, Customers Embrace Nontraditional Checking

  By Michelle A. Samaad  |  June 6, 2011

  High balance and rewards checking are just a few of the accounts that credit unions and banks are seeing increase in use.

• Dodd-Frank Act May Boost Already Growing Retail Deposits

  By Michelle A. Samaad  |  April 1, 2011

  A new deposit insurance fee calculation this year may push bank retail deposits even higher, one research firm predicted.

• Long-Term CD Rate Rise May Signal Higher Inflation

  By Michelle A. Samaad  |  March 8, 2011

  If history is any indication, the increase in rates on long-term certificates of deposit could mean higher inflation is around the corner.

• Liquid Accounts Still Popular Despite Falling Rates

  By Michelle A. Samaad  |  February 28, 2011

  Research firm Market Rates Insight found that in the fourth quarter of 2010, banking consumers kept placing their money in FDIC-insured deposits despite declining interest rates.

• Shrinking Deposits May Be Tied to Soft Loan Demand

  By Michelle A. Samaad  |  January 27, 2011

  A decrease in the premiums on deposits at credit unions and banks in 2010 may have indicated a lesser amount of new capital was needed to fund loans.

• CD Money Funnels Into MMAs

  December 1, 2010

  That meeting between the rate of a liquid account and of a term deposit called the liquidation point may be one of the reasons more money tends to flow out of CDs into money market accounts.

• High Liquidity Moves CD Money Into MMAs

  By Michelle A. Samaad  |  November 16, 2010

  More money tends to flow out of CDs into money market accounts if the liquidation point, that meeting between the rate of a liquid account and of a term deposit, is high.

• Deposit Balances, Personal Tax Share Link

  By Michelle A. Samaad  |  October 26, 2010

  It appears that when personal tax as a percentage of personal income goes down, deposit balances go up and vice versa, according to Market Rates Insight.

• CDs May Be Out of Touch With Market Demand

  By Michelle A. Samaad  |  October 20, 2010

  New research from Market Rates Insight showed that banks and credit unions may be offering consumers and members the reverse of what they are demanding with CDs.

• Maturing CDs Used to Pay Down Credit Card Debt

  By Michelle A. Samaad  |  October 11, 2010

  Consumers used nearly 80% of their $29 billion in maturing CDs to pay down credit card balances in the first half of 2010.