Rates are falling, but many banks aren’t seeing the expected expense relief. Some cut too much and lost valuable relationships, while others refocused on growth and found it more challenging than before. This session outlines three key principles to help community banks manage CDs and liquid deposits as rates shift.

Using data from more than $7 trillion in deposits and insights from Curinos’ Deposit Optimizer Essentials solution for smaller banks, attendees will learn to reduce interest expenses without jeopardizing key relationships. They’ll also gain strategies to manage CD renewals, optimize term products, and efficiently acquire deposits in a low-churn market. These approaches help community banks meet funding targets at the lowest cost.