News & Insights
Across recent months of industry meetings, conferences and association discussions, one question has surfaced repeatedly among credit unions: Why the FedNow® Service and why now?
Inflation has dominated headlines, impacting the financial industry, from members’ rising household expenses to our own costs at the pump. Inflation acts as a tax on the economy, but credit unions are particularly exposed due to our focus on underserved communities, part of the nobility of our movement.
Managing interest rate risk feels more difficult than it used to. IRR has always been a core responsibility for credit union management, but what has changed is how quickly conditions can shift and how little margin for error exists when they do.
You’re probably wondering, is the humble check really on its way out or does it still have a role in today’s fast-moving payments world? While everyone’s rightfully buzzing about faster payments, digital wallets and instant transactions, the truth is: checks are sticking around.
For the first time in several years, the yield curve is beginning to steepen and that shift is quietly creating new opportunities for credit unions. Find out why this matters, when values will shift, how to manage reinvestment risk and what the practical path forward is in our latest blog.
In today’s credit union lending environment, one theme continues to stand out: we are firmly in a seller’s market for high quality loan participations.As a result, buyers are actively competing for quality loan pools and are often willing to pay a strong premium when those opportunities become available.
With the majority of first quarter call reports now filed, early results show credit unions are entering 2026 from a position of strength. Capital levels remain solid, liquidity is strong and earnings are resilient, even as growth patterns continue to reflect a familiar seasonal dynamic.
With the FedNow® Service by the Federal Reserve and the RTP® Service by The Clearing House, financial institutions have a way to move funds instantly. At the center of this transformation is Send, the capability that allows institutions to push payments instantly, 24/7/365.
Subordinated debt can offer a unique investment opportunity with benefits unlike most other asset classes , but for many credit unions, subordinated debt is still an unfamiliar investment option. For those willing to do the work, subordinated debt can offer attractive yields, portfolio diversification and a way to support the broader credit union movement.
As expectations for digital banking experiences continue to rise, influenced by the constantly online nature of life today, consumers expect their financial services to keep pace. Instant payment rails, especially the Federal Reserve’s FedNow® Service, give credit unions a powerful opportunity to meet these expectations while continuing to deliver trusted, member-first financial services.