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Deposit Pricing & Budgeting: How to Plan in an Increasing Rate Environment

Deposit Pricing & Budgeting: How to Plan in an Increasing Rate Environment

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Many financial institutions are engaged in looking over the fence syndrome in deposit pricing. In this situation, they look outside of their CU for guidance in setting their rates. This webinar will provide insight into methodology that will empower CUs to set their deposit rates based on internal factors that can be adjusted for competitive factors. Using this methodology, they can marry budgeting and deposit pricing in a way that increases the profitability of the CU.


  • Thorough review of regulatory environment and requirements
  • Understand the dividend payout ratio and its implication on deposit pricing and budgeting.
  • Understand price elasticity of demand of its’ impact on rising or lowering of interest rates.
  • Understand differences in interest rate sensitivity in core and high yield deposits
  • Discuss cutting edge strategies in budget development and maintenance
  • Implications of deposit pricing on budget maintenance
  • Discuss accounting strategies related to deposit pricing

Who Should Attend:

  • CEOs/Managers
  • CFOs
  • Lending Officers
  • Compliance Officers
  • ALCO Committee Members
  • Certified Public Accountants (CPAs)
  • Internal Auditors or others working in accounting roles at the CU

By purchasing this webinar, you are registering for this session. Additional registration information will be sent to you in a response from this commerce site that requires logging onto and signing in through a webex link. In order to be awarded the full credits, you must respond to three out of the four polling questions asked during the program. (Please note Webinar Event Time & Date).

Participants will earn 1.0 CPE credit

Field of Study: Finance

LIVE DATE: May 16, 2017 | 1:00pm MST

Additional Information

Prerequisites: Minimum 6 months of ALCO/accounting experience in the credit union.

Advanced Preparation: None

Program Level: Intermediate

Delivery Method: Group Internet Based

Refund and Cancellations: Requests for refunds must be received in writing within 7 days of initial purchase and will be subject to a cancellation fee. For more information regarding refund, complaint, and/or program cancellation policies please contact our offices at 406-315-2809. is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website:

About the Presenter

Randy Thompson

Risk-based Lending / Credit Migration / Pricing

Randy’s background includes more than 10 years in banking, 15 years in higher education and 4 years in state and national government. He has held various positions in his banking career including branch manager, senior commercial loan officer, and Division Vice President. During his banking tenure he created a cutting edge methodology for pricing commercial loans. His research and teaching focused on the development of effective behavior change models.



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