Price Share Certificates Against the Branches Your Members Actually See
Branch-level rate views across every bank and credit union in your field of membership, with promotional CD specials flagged inline — so dividend decisions reflect the rates your members are actually being offered down the street.
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Credit Union Treasury Challenges in Today's Market
Credit union treasury teams face unique challenges balancing member value, operational efficiency, and competitive positioning in an evolving rate environment.
Member-Centric Rate Optimization
Balance competitive member rates with operational sustainability and regulatory compliance
Limited Resources & Expertise
Maximize treasury efficiency with smaller teams and tighter budgets compared to larger banks
Branch-Level Community Competition
Your members shop CDs and share certificates at the branches on their commute — benchmark against that actual local footprint, not a national HQ-level average
Regulatory & Compliance Balance
Navigate NCUA requirements while maintaining member-focused deposit strategies
Comprehensive Treasury Intelligence for Credit Unions
Maximize member value while maintaining financial health with deposit rate monitoring and analytics built specifically for credit union operations.
Comprehensive Rate Intelligence
Monitor over 20,000 deposit rates daily across banks and credit unions nationwide. Track share certificate rates, money market accounts, and savings rates with precision.
- Daily rate updates across all institutions
- CD & share certificate monitoring
- Savings & money market tracking
- Institution search and filtering
Custom Watchlist Management
Create custom watchlists to track specific rates across competitor institutions and receive email notifications when rates change.
- Custom rate watchlists
- Email rate change alerts
- Local competitor monitoring
- Notification management controls
Data Export & Analysis
Export comprehensive rate data and institution information for board reporting, strategic planning, and member communications.
- Excel/CSV data export
- Institution financial metrics
- Historical rate data access
- Downloadable rate reports
Branch-Level Peer Benchmarking
Enter your zip code with a radius that matches your field of membership and see every competing branch on a map alongside a sortable rate table. Narrow by charter type and institution size to benchmark against the peer set your board actually thinks about.
- Zip-code + configurable radius
- Branch-level, not HQ-level
- Filter by charter type and institution size
- Map and sortable table in sync
Promotional Rate Tagging
Most deposit competition happens through specials, not posted rack rates. Competitor CDs priced as promotional specials are flagged inline on every rate view, so a 13-month 4.50% (Promo) teaser from a local bank is never confused with its standing rack rate when you’re setting your next share certificate dividend.
- (Promo) tag on the exact rate row
- Works with local-market and watchlist filters
- Preserved in Excel exports
- Separates teasers from standing rack rates
Real-World Applications for Credit Union Treasury
See how credit union treasury teams use Deposit Monitor to optimize member value and competitive positioning
Competitive Rate Benchmarking
Compare your credit union's rates against local banks and other credit unions to inform dividend rate decisions
Example: Search share certificate rates across local banks and credit unions to benchmark your 12-month offerings and identify competitive positioning opportunities
Local Market Monitoring
Track rate changes from local competitors and receive email alerts when significant changes occur
Example: Set up watchlists for local banks and credit unions in your market area and receive email notifications when rates change by 25+ basis points
Spotting Specials from In-Market Banks and CUs
Identify promotional CD specials from banks and credit unions in your market the moment they publish — tagged inline with the rate, so you can respond before members start moving deposits
Example: See the local community bank launch a 13-month 4.50% (Promo) special on new-money CDs, flagged next to its standing rack rates — evaluate your share certificate dividend response the same day, not after members have already shopped elsewhere
Board Reporting & Documentation
Export comprehensive rate data for board presentations, strategic planning, and regulatory reporting
Example: Download monthly rate data to Excel for board reports showing competitive positioning and market analysis across all deposit products
Trusted by Credit Union Treasury Professionals
Join credit union treasury teams nationwide who rely on our platform for critical deposit intelligence and member-focused insights
Ready to Optimize Your Member Value Strategy?
Start your free trial today and discover how real-time rate intelligence can enhance your credit union's competitive positioning while serving members better.
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