For credit unions and banks, having $6 trillion parked in some of their accounts should be a good thing for their bottom lines, right?

Not necessarily, according to research firm Market Rates Insight. It could be an indication that members and customers are still not confident with the state of the country’s economy. And that apprehension may also stop them from moving their funds into savings vehicles such as certificates of deposit, which tend to offer greater returns and much more revenue for financial institutions.

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