Deposits & Payments


By Marc Rapport | April 2, 2018

The Indiana credit union funds lending all year with an annual cash surge.

By Rebecca Wessler | Nov. 20, 2017

Four can’t-miss data points this week on

By Liz Furman | Nov. 15, 2017

SEGs and local businesses help credit unions capture IRA and Keough balances.


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By Callahan & Associates | Nov. 28, 2016

Core deposits have accounted for the bulk of share growth in 2016. Learn about past performance while waiting for third quarter numbers.

By Aaron Pugh | June 1, 2015

Generations Community explains a three-pronged plan to catch members early and help them invest for life.

By Marc Rapport | Nov. 25, 2014

Millennials are not saving, but holiday spending is up.

By Marc Rapport | Nov. 4, 2014

Apple Pay has completely changed the conversation around mobile payments, and credit unions better keep an eye on … PayPal. Oh, and Android users still outnumber iPhone devotees.

By Yun Ma | May 6, 2013

CitizensFirst Credit Union lets members customize the length of their mortgage to increase mortgage volume and reduce interest rate risk.

By Yun Ma | April 22, 2013

Credit unions may think they have boomers figured out, but this generation of retirees is a group of surprising contradictions.

By Yun Ma | April 22, 2013

Women may earn less than men, but they wield greater power as the family’s key financial decision maker.

By Lydia Cole | Sept. 13, 2012

Newly released guidelines for retirement savings can inspire your members and employees to get their savings in shape.

By Rebecca McClay | April 5, 2012

Gen Y’s product demands now include first mortgages and auto loans, whereas Baby Boomers are turning toward retirement products.

By Bailey Reutzel | April 2, 2012

Credit unions can accommodate their older demographic with reverse mortgages, financial investment services, and elder abuse education.

Will accessing home equity earlier in retirement allow for more spendable income overall?

Should members allow higher-yielding assets to grow and access home equity to support early retirement?

By Richard Pearson | Aug. 9, 2010

How two credit unions accommodated increased shares and decreased loan demand.

By Lydia Cole | July 19, 2010

Overall shifts in product revenue demonstrate the larger marketplace shifts in consumer investments.

By Lydia Cole | July 16, 2010

Shifts in product revenue demonstrate the larger marketplace shifts in consumer investments.

By Elliott Kashner | April 26, 2010

The rapid growth of the reverse mortgage market is putting the loan under the spotlight.

By Elliott Kashner | April 21, 2010

Reverse mortgages can be solution for seniors in need of supplemental income. How can you know if it is solution your credit union should offer?

By Chris Tissue | April 1, 2010

This edition is brought to you straight from the corporate communities that use this holiday to have a little fun and show some personality. And from the letters C and U.

By Alix Patterson | Jan. 11, 2010

This morning on the Today Show, Suze Orman offered advice for women. She likened it to the warning you get on an airplane--"put your own mask on first, then take care of others."

By Callahan & Associates | Jan. 1, 2010

Help the elderly access the equity in their homes to stay independent.

By Alix Patterson | Jan. 1, 2010

IRAs are a long-term solution for member growth and relationship building.

By Lydia Cole | July 6, 2009

When measuring your investment services program’s performance, it is critical to understand how individual benchmarks represent a piece of the puzzle. If considered separately, the individual metrics do not tell the whole story as to how the program’s management team should improve the program’s overall productivity.

By Lydia Cole | June 22, 2009

When measuring your investment services program’s performance, it is critical to understand how individual benchmarks represent a piece of the puzzle. If considered separately, the individual metrics do not tell the whole story as to how the program’s management team should improve the program’s overall productivity.

By Leigh Anne Terry | Oct. 13, 2008

Are you spending too much time looking for your organizations’ leader instead of helping a current employee achieve that goal?

By Lydia Cole | Sept. 15, 2008

Credit unions with retail investment programs are experiencing growth through referrals both to and from the credit union. While most programs are tracking referral activity from the credit union to the investment services program, only about one-third are tracking referrals from the investment program back to credit union products and services.

By Dane Coalson | July 14, 2008

Boomer retirement represents a great opportunity for credit unions, but how do they compete with the many brokerage firms who have cornered the market?

By Dane Coalson | Jan. 14, 2008

What specific financial needs do your female members face and why should your credit union should be specifically addressing these issues?

By Jay Johnson | Dec. 10, 2007

As year-end approaches and budget and tax decisions are made by members, the need for guidance becomes particularly important as financial product offerings become more complex.

By Dane Coalson | Nov. 19, 2007

IRAs represent a large potential growth opportunity for credit unions. As the end of year approaches, now is the time to make members aware of their IRA options.

By Chip Filson | June 4, 2007

Mead Coated Board CU pays 4.25% and has a total of $8.6 million, in 126 accounts and a penetration rate of over 8%.

By Tombstone Federal Credit Union | April 2, 2007

With more boomers heading toward retirement, it’s imperative to offer a solution that provides members with a low-cost guaranteed stream of retirement income.

Partner Perspective
Going to Market With HSAs

By | March 19, 2007

The recent release of year-end data show that credit unions have $26.8 million in Health Savings Account (HSA) deposits. As more people turn to consumer-directed health care, now is the time to consider entering this exponentially growing market.

By Level 9 | Feb. 19, 2007

When designing a life event conversation, breaking out of the traditional structure prevents the client from becoming overwhelmed while still presenting all the pertinent information.

By Leigh Anne Terry | Jan. 22, 2007

Like lime in your Diet Coke and caramel in your Hershey Kisses, Roth 401(k)s combine some familiar elements into an exciting new opportunity to save for retirement.

By Level 9 | Jan. 22, 2007

A technique from the life insurance industry can be just as valuable for marketing financial products and services.

By Tom Geggel | Nov. 13, 2006

The secondary market is now interested in securitizing reverse mortgages. With an 881% growth rate in endorsed loans since FY 2001, the product is now poised for even greater popularity.

By Hughes Federal Credit Union | Sept. 4, 2006

The responsibility of baby boomers to manage the finances for multiple family members is a prospect for credit union growth.

By Tom Geggel | July 3, 2006

Many seniors are concerned about funding their retirement, especially with rising medical and living expenses. A reverse mortgage product allows credit unions help older members address their financial needs.

By Annie Sebastian | May 8, 2006

With a shift in lifestyle, the baby boomers will demand changes in the array of credit union products and services.

By Melanie El-Sabaawi | April 24, 2006

Changing demographics and heated competition are rewriting the rules of investment services program success. Is your program up to par?

By Annie Sebastian | April 24, 2006

With baby boomers on the verge of retirement, credit unions need to reevaluate their retirement programs to ensure they transition with their members’ changing needs.

By Sarah Apgar | Jan. 2, 2006

IRAs represent a potentially big opportunity for credit unions, both as a much-needed deposit gathering instrument and as a core member relationship product.

By Sarah Apgar | Dec. 12, 2005

Creating a successful IRA program for your credit union may be complicated, but these three steps will point you in the right direction.

By Annie Sebastian | March 28, 2005

Increasing medical costs and ongoing social security uncertainty lead many seniors to seek alternatives to supplement their income. Reverse mortgages can provide financial security

By Ed Callahan | Dec. 6, 2004

Ed Callahan advocates the need for product and service offerings catered to post-employed members. If done well, older, loyal members will guide young people to the credit union credo.

By Scott Patterson | Jan. 27, 2003

This tax-filing season presents credit unions across the U.S. with a significant opportunity for growth in Individual Retirement Accounts (IRA) among members of all ages. Three consecutive years of declining stock markets, increased annual contribution limits, and roll over options are making IRAs even more popular as a long-term savings plan for retirement. Credit unions in particular are uniquely positioned as a trusted financial partner to help members take advantage of this important self-managed account.

By Chip Filson | Feb. 1, 1998

Most managers and boards see the future of financial services, but are unable to move their credit unions there. The jump we need to make if credit unions are to survive is from a model of member relationships built around Funds on Deposit (FOD) to one based on Assets Under Management (AUM). Managers and directors know this, especially in larger credit unions, because this is how their own financial affairs have evolved. For example, rarely does the credit union have the majority of its own top management and directors' savings. Like many households, the retirement dollars are resting in mutual funds, annuities, and other non-insured "investment" products, if not directly in individual stocks and bonds. Unless credit unions can make this transition to serving members as measured by Assets Under Management, the credit union's role as a payment provider and short-term savings place will cause us to slide into irrelevance. What's Stopping Change?