Introducing CD Forecast Simulations & Pricing Elasticity Modeling in Deposits360°®

CDs have played a pivotal role in easing funding costs across the banking industry in recent quarters. Since last year’s peak, the average CD portfolio rate has declined by 85 basis points. However, with the Federal Reserve holding steady for the past six months (and likely to maintain this stance in the near term), market prices are beginning to stabilize while the average rate of maturing CDs continues to lower, steadily eroding the cost benefit.

At the same time, many institutions are beginning to ask two critical questions:

Where has the CD growth gone?

In 2024, the average CD portfolio expanded by nearly 13%. Yet as of mid-2025, growth is under 0.50% and is expected to decline as we look ahead. How much of that is leaving your institution vs shifting into non-maturity deposits?

How should we be pricing CDs?

In this changing rate environment, how can institutions strike the right balance between managing funding costs and sustaining deposit growth? What pricing strategies will position your institution for success? Understanding the relationship between deposit pricing and growth/retention is essential when making these decisions.

Join us for an exclusive session where Billy Guthrie will unveil the new CD Forecast Simulations Module in Deposits360°®. This session will include:

• A live demo of the new forecasting and pricing elasticity tools

• Insights into how these features can support more data-driven pricing decisions

• Real-world case studies to help manage the upcoming wave of CD maturities over the next two quarters

Don't miss this opportunity to enhance your pricing strategies and deposit planning with actionable intelligence.