Why Rate Sensitivity & Core Deposit Studies Matter More Than Ever
In today's unpredictable interest rate environment, understanding deposit behavior is more crucial than ever. Discover how updated rate sensitivity and core deposit studies can empower your credit union to make informed decisions, enhance balance sheet management, and confidently navigate regulatory expectations. Don’t let outdated assumptions hold you back, unlock the potential for sustainable growth and member value today with AIM CU Solutions & Millennium Corporate Credit Union.
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How Can Credit Unions Apply the "People Helping People" Philosophy to Find the Right Employees?
Unlocking the potential of credit unions goes beyond just numbers; it's about people! How can the "People Helping People" philosophy serve as a powerful tool for attracting and retaining top talent? By rethinking hiring practices, credit unions can seek candidates from diverse backgrounds beyond traditional finance, discovering individuals with invaluable transferable skills. Explore innovative strategies with Cornerstone Resources that can transform the future of hiring in the credit union movement.
FedNow and P2P: Complementary Forces in the Future of Payments
Discover how the launch of FedNow in 2023 is reshaping payment systems in the U.S. This innovative service provides instant settlement for financial institutions and complements peer-to-peer (P2P) payments, empowering credit unions to offer seamless, branded solutions. Explore the advantages of integrating FedNow with P2P to enhance member satisfaction and engagement while maintaining secure, accessible funds. Don't miss out on the future of payments with Catalyst!
Entering The New Year With Purpose And Discipline
The start of a new year offers credit unions a rare opportunity to pause, reflect, and strengthen their security posture with intention. Rather than introducing new tools or reacting to emerging threats, meaningful risk reduction often comes from reinforcing foundational controls—especially where discipline and consistency may have eroded over time. This article explores how small security gaps develop, why identity protection and access controls deserve renewed focus, and how credit unions can enter the year more resilient by doing what matters most—consistently. Read the full blog to learn how these practical steps can help reduce risk and strengthen security throughout the year.
AI 101
Artificial Intelligence is reshaping the way we live, work, and interact with the world around us – and it didn't just start with the recent emergence of ChatGPT. In this blog post, Elizabeth Wadsworth, Velera's senior AI innovation strategist, offers a snapshot of AI's history, the current state of AI, and what to look for in the future. Keep reading to learn more.
Reimagining Checking for Gen Z
Today’s younger consumers seldom, if ever, write checks. The term “checking account” seems outdated and disconnected from how they manage their money. In this blog post, Kari Anne Arnosk, Senior Strategic Consultant at Advisors Plus, discusses the transition from paper checks to digital wallets, mobile apps, and instant payments. She also explores how financial institutions can create more consumer-friendly “spending accounts” that genuinely resonate with the next generation.
Overdrafts aren’t the problem—outdated strategies are
In an evolving financial landscape, credit unions face challenges like narrowing interest margins and volatile non-interest income. With outdated overdraft strategies under scrutiny, the focus has shifted to delivering responsible, transparent services that support both financial performance and member well-being. Discover how modernizing overdraft management can enhance member trust while providing a reliable source of income with ADVANTAGE.
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Liquidity Crunch Got You Down? There’s A Simple Solution – SimpliCD
SimpliCD Issuance provides a solution for credit unions facing liquidity challenges by enabling them to issue federally insured share certificates to a nationwide network of over 4,300 credit unions. This process allows for the quick raising of funds—up to $50 million in one transaction—with minimal paperwork. Managed by Primary Financial, the program simplifies fundraising with centralized deposits, no hidden fees, and straightforward onboarding. Credit unions of various charters can participate, making it an efficient alternative to FHLB advances and other funding options. To get started, credit unions can contact Millennium Corporate Credit Union.
Why Your Next LOS Needs More Than Loan Processing Power?
Unlock the future of lending with a next-generation loan origination system (LOS) that goes beyond basic functionality. As borrower expectations for speed, transparency, and personalization rise, credit unions must adapt to stay competitive. Discover the six essential capabilities your institution should prioritize to enhance efficiency, decision-making, and member engagement. Elevate your lending processes to transform the member experience and drive growth in a rapidly evolving digital landscape. Discover how advanced technology with Origence can help your credit union stand out.
Subordinated Debt as a Strategic Growth Lever for Credit Unions
Unlock new growth opportunities for your credit union with subordinated debt (sub-debt)! As more credit unions embrace this strategic financing option, understanding what sub-debt is and how it can enhance your capital position is essential. Discover the key application requirements and learn how top-performing credit unions are leveraging sub-debt to expand their services and reach new members. Ready to take your credit union's balance sheet to the next level? Let Catalyst guide you through the process with expert support and insights!
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