A Community Institution’s Guide to Thriving in any Market Condition

Community financial institutions should move away from CD-heavy funding strategies toward relationship-based checking and savings accounts that offer competitive rates while maintaining lower overall costs through blended rate structures.

This report by Kasasa covers:

• How to shift from CDs to relationship checking accounts with competitive rates and lower blended costs
• Why consumer financial stress is rising: credit card delinquencies at 3.52%, auto loan negative equity at 24.9%
• Learn how to maintain competitive rates longer during Fed rate cuts to attract loyal customers and stay on offense
• How to sse technology and tiered rewards to drive engagement: high-yield checking averages $10,000 vs $2,500 in traditional accounts

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