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People today make a huge number of decisions every day. They are busy. Credit unions can safely assume that every depositor is looking for more value and convenience, but when and how do they communicate with depositors? Does the media noise around interest rate hikes prompt new conversations? What have credit unions done to prepare? How should they prepare to navigate and win the deposit pricing wars?

Very few credit union professionals believe they have created the ultimate in cost efficiency regarding deposits, which would enable them to simply outbid every other federally-insured depository. If credit unions cannot win the pricing wars with price, how can they expect to win?

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