Research and Insights
Market Rates Insight brings you the latest competitive research on deposits, loans, and fees to help you price with precision.
To help you keep pace with the market, we offer three free research reports:
- National Pricing Indicators report offers a weekly roundup of the latest retail banking pricing trends (including national APY indicators and re-pricing product volume).
- ProductBuilder Alert profiles newest offers and products from financial institutions, and is designed to increase financial institutions' products per household.
- "CD Watch" is a weekly roundup of Infographics as seen in AmericanBanker.com.
You can access the latest National Pricing Indicator and ProductBuilder Alert reports below, or subscribe by clicking on the links to the right. You also can request a demo of our complete and archived ProductBuilder Alert database by clicking on MyRI Demonstration link to the right.
| Report/ Infographic | PDF GRAPH |
| Week of 2/13/12: Weekly Term Accounts APY Spread |
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| Week of 2/6/12: Weekly Term Accounts APY Spread |
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| Week of 1/30/12: Weekly Term Accounts APY Spread |
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| Week of 1/23/12: Weekly Term Accounts APY Spread |
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National Deposit Pricing Indicator Archive
| Week of 1/16/12: Weekly Term Accounts APY Spread |
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| Week of 1/9/12: Weekly Term Accounts APY Spread |
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| Week of 1/2/12: Deposit Trends & Analysis for 2012 - The Grey Swan |
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| Week of 12/26/11: Weekly Term Accounts APY Spread |
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| Week of 12/19/11: Weekly Term Accounts APY Spread |
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| Week of 12/12/11: Weekly Term Accounts APY Spread |
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| Week of 12/05/11: Weekly Term Accounts APY Spread |
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| Week of 11/28/11: National APY Projection for December 2011 |
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| Week of 11/21/11: Weekly APY Spread and Premium Index |
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| Week of 11/14/11: Weekly APY Spread and Premium Index |
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| Week of 11/07/11: Weekly APY Spread and Premium Index |
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| Week of 10/31/11: Deposit Pricing Projection - November 2011 |
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| Week of 10/24/11: Weekly APY Spread and Premium Indices |
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| Week of 10/17/11: Weekly APY Spread and Premium Indices |
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| Week of 10/10/11: Weekly APY Spread and Premium Indices |
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| Week of 10/03/11: Deposit Accounts APY Projection for October 2011 |
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| Week of 09/19/11: Survey of APY Spread and Premium Indices |
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| Week of 09/26/11: Survey of APY Spread and Premium Indices |
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| Week of 09/12/11: Survey of APY Spread and Premium Indices |
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| Week of 09/5/11: National APY Projection for September 2011 |
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| Week of 08/29/11: Weekly Survey of APY Spread and Premium Indices |
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| Week of 08/22/11: |
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| Week of 08/15/11: |
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| Week of 08/08/11: |
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| Week of 08/01/11: August Projections for National Average APY |
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| Week of 07/18/11: First time in Decade APY on 12-month CD is Negative |
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| Week of 07/11/11: New Interest Bearing DDA Offers New Opportunity for Banks |
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| Week of 07/04/11: Substantial Shift in APY for Deposits in Top 25 MSAs |
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| Week of 06/27/11: State Unemployment Does Not Affect Deposits |
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| Week of 06/20/11: Reg E Causes Service Charges on Deposit Accounts to Decline |
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| Week of 06/13/11: Credit Union Membership and Volume Up |
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| Week of 06/06/11: Makeup of Checking Account Types Has Changed |
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| Week of 05/30/11: FDIC Report Shows Shift to Liquid Accounts |
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| Week of 05/23/11: Inflation Rate Surpasses Top CD Rate |
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| Week of 05/16/11: Reg Q Should Drive Shift in Business Checking |
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| Week of 05/09/11: Deposit Rates Increasing in a Number of States |
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| Week of 05/02/11: Relationship CD Volume Increases with Inflation |
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| Week of 04/25/11: Per Capita Domestic Deposits Doubled in Last 20 Years |
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| Week of 04/11/11: Internet Deposit Rates Close with Branch Rates |
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| Week of 04/04/11: Liquid Cash at an All-Time High |
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| Week of 03/28/11: Dodd-Frank Act to Intensify Deposit Competition |
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| Week of 03/21/11: Yield differentiation shrank between short- and mid-term CDs |
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| Week of 03/14/11: Non-interest Income Now Makes Up 1/3 of Bank Income |
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| Week of 03/07/11: APY for 5-year CDs Up - Could Mean Inflation on the Way |
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| Week of 02/28/11: Depositors Looking for Safety and Liquidity |
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| Week of 02/21/11: Interest Expense Decreasing As Deposit Rates Decline |
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| Week of 02/14/11: Banks and Credit Unions Focus on Relationship Products |
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| Week of 02/07/11: Deposit balance mix shifting from non-jumbo CDs to liquid accounts |
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| Week of 01/31/11: Branch distribution out of sync with population changes |
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| Week of 01/24/11: Shrinking Deposit Premiums Indicate Low Loan Demand |
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| Week of 01/17/11: Best and worst deposit-rate performance in 2010 |
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| Week of 01/10/11: Changes in local demographics impact local deposits |
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| Week of 01/03/11: Increase in the national average APY for deposit products with very low repricing volume |
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| Week of 01/03/11: Deposit Trends and Projection for 2011 |
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| Week of 12/13/10: Tax-cuts extension will increase deposits and spending alike |
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| Week of 12/06/10: Deposits' rates - why are they staying so low for so long? |
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| Week of 11/29/10: One trillion dollars in new deposits support reverse-elasticity theory |
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| Week of 11/22/10: CD Rates - Back to Square One (literally) after Half A Century |
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| National Deposit Pricing Indicators - Week of 11/15/10 |
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| National Deposit Pricing Indicators - Week of 11/08/10 |
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| National Deposit Pricing Indicators - Week of 11/01/10 |
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| National Deposit Pricing Indicators - Week of 10/25/10 |
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| National Deposit Pricing Indicators - Week of 10/18/10 |
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| National Deposit Pricing Indicators - Week of 10/11/10 |
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| National Deposit Pricing Indicators - Week of 10/04/10 |
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| National Deposit Pricing Indicators - Week of 09/27/10 |
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| National Deposit Pricing Indicators - Week of 09/20/10 |
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| National Deposit Pricing Indicators - Week of 09/13/10 |
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| National Deposit Pricing Indicators - Week of 09/06/10 |
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| National Deposit Pricing Indicators - Week of 08/30/10 |
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| National Deposit Pricing Indicators - Week of 08/23/10 |
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| National Deposit Pricing Indicators - Week of 08/09/10 |
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| National Deposit Pricing Indicators - Week of 08/16/10 |
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| National Deposit Pricing Indicators - Week of 08/02/10 |
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| National Deposit Pricing Indicators - Week of 07/26/10 |
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| National Deposit Pricing Indicators - Week of 07/19/10 |
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| National Deposit Pricing Indicators - Week of 07/12/10 | |
| National Deposit Pricing Indicators - Week of 07/05/10 |
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| National Deposit Pricing Indicators - Week of 06/28/10 |
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| National Deposit Pricing Indicators - Week of 06/21/10 |
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| National Deposit Pricing Indicators - Week of 06/14/10 |
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| National Deposit Pricing Indicators - Week of 06/07/10 |
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| National Deposit Pricing Indicators - Week of 05/31/10 |
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| National Deposit Pricing Indicators - Week of 05/24/10 |
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| National Deposit Pricing Indicators - Week of 05/17/10 | |
| National Deposit Pricing Indicators - Week of 05/10/10 |
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| National Deposit Pricing Indicators - Week of 05/03/10 | |
| National Deposit Pricing Indicators - Week of 04/26/10 |
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| National Deposit Pricing Indicators - Week of 04/19/10 |
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| National Deposit Pricing Indicators - Week of 04/12/10 | |
| National Deposit Pricing Indicators - Week of 04/05/10 | |
| National Deposit Pricing Indicators - Week of 03/29/10 | |
| National Deposit Pricing Indicators - Week of 03/22/10 | |
| National Deposit Pricing Indicators - Week of 03/15/10 | |
| National Deposit Pricing Indicators - Week of 03/08/10 | |
| National Deposit Pricing Indicators - Week of 03/01/10 | |
| National Deposit Pricing Indicators - Week of 02/22/10 | |
| National Deposit Pricing Indicators - Week of 02/15/10 | |
| National Deposit Pricing Indicators - Week of 02/08/10 | |
| National Deposit Pricing Indicators - Week of 02/01/10 | |
| National Deposit Pricing Indicators - Week of 01/25/10 | |
| National Deposit Pricing Indicators - Week of 01/18/10 | |
| National Deposit Pricing Indicators - Week of 01/11/10 | |
| National Deposit Pricing Indicators - Week of 01/04/10 | |
| National Deposit Pricing Indicators - Week of 12/18/09 | |
| National Deposit Pricing Indicators - Week of 12/11/09 | |
| National Deposit Pricing Indicators - Week of 12/04/09 | |
| National Deposit Pricing Indicators - Week of 11/27/09 | |
| National Deposit Pricing Indicators - Week of 11/20/09 | |
| National Deposit Pricing Indicators - Week of 11/13/09 | |
| National Deposit Pricing Indicators - Week of 11/06/09 | |
| National Deposit Pricing Indicators - Week of 10/30/09 | |
| National Deposit Pricing Indicators - Week of 10/23/09 | |
| National Deposit Pricing Indicators - Week of 10/16/09 | |
| National Deposit Pricing Indicators - Week of 10/09/09 | |
| National Deposit Pricing Indicators - Week of 10/02/09 | |
| National Deposit Pricing Indicators - Week of 09/25/09 | |
| National Deposit Pricing Indicators - Week of 09/18/09 | |
| National Deposit Pricing Indicators - Week of 09/11/09 | |
| National Deposit Pricing Indicators - Week of 09/04/09 | |
| National Deposit Pricing Indicators - Week of 08/28/09 | |
| National Deposit Pricing Indicators - Week of 08/21/09 | |
| National Deposit Pricing Indicators - Week of 08/14/09 | |
| National Deposit Pricing Indicators - Week of 08/07/09 | |
| National Deposit Pricing Indicators - Week of 07/31/09 | |
| National Deposit Pricing Indicators - Week of 07/24/09 | |
| National Deposit Pricing Indicators - Week of 07/17/09 | |
| National Deposit Pricing Indicators - Week of 07/10/09 | |
| National Deposit Pricing Indicators - Week of 07/03/09 | |
| National Deposit Pricing Indicators - Week of 06/26/09 | |
| National Deposit Pricing Indicators - Week of 06/19/09 | |
| National Deposit Pricing Indicators - Week of 06/13/09 | |
| National Deposit Pricing Indicators - Week of 06/05/09 | |
| National Deposit Pricing Indicators - Week of 05/29/09 | |
| National Deposit Pricing Indicators - Week of 05/22/09 | |
| National Deposit Pricing Indicators - Week of 05/15/09 | |
| National Deposit Pricing Indicators - Week of 05/08/09 | |
| National Deposit Pricing Indicators - Week of 05/01/09 | |
| National Deposit Pricing Indicators - Week of 04/24/09 | |
| National Deposit Pricing Indicators - Week of 04/10/09 | |
| Report | |
| New Banking Products - Week of 2/13/12: 32-Inch Flat Screen TV, eStatements |
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| New Banking Products - Week of 1/30/12: Teen Photo Contest, CollegeSaver |
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| New Banking Products - Week of 1/23/12: Year of the Dragon, Lifestyle Cash Rewards |
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| New Banking Products - Week of 1/16/12: Fine Tune Your Finances, Diamond Anniversary Sweepstakes |
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New Banking Products Archive
| New Banking Products - Week of 1/16/12: Fine Tune Your Finances, Diamond Anniversary Sweepstakes |
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| New Banking Products - Week of 1/9/12: Max Blue Sweepstakes, Better Choice Loan Program |
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| New Banking Products - Week of 12/26/11: Trip "Swipestakes," 49ers VI |
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| New Banking Products - Week of 12/19/11: Blue Bucks Kid`s CD, Bill Payer Plus |
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| New Banking Products - Week of 12/12/11: 2012 Atlantic Bank Scholarship, 12 Days of GTE |
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| New Banking Products - Week of 12/05/11: Product Builder Special, More Mobile Banking |
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| New Banking Products - Week of 11/28/11: Product Builder Special Offer for December! |
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| New Banking Products - Week of 11/21/11: Holiday Credit Cards, Photo Contest |
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| New Banking Products - Week of 11/14/11: Refer a Friend, iPad Sweepstakes |
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| New Banking Products - Week of 11/07/11: Sticky Ticket, Holiday Skip a Pay |
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| New Banking Products - Week of 10/31/11: Yield Pledge Checking, e-Banking |
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| New Banking Products - Week of 10/24/11: Arizona's Next Great Business, 2012 Calendar Contest |
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| New Banking Products - Week of 10/17/11: Sweet Rewards, Trip-a-Month Sweepstakes |
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| New Banking Products - Week of 10/10/11: Prewards Program, Build-A-Billboard Contest |
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| New Banking Products - Week of 10/03/11: Back to School Art, Personal Internet Banking |
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| New Banking Products - Week of 09/26/11: Free Checking, and Better than Free Checking |
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| New Banking Products - Week of 09/19/11: Christmas Club, World Series 2011 Contest |
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| New Banking Products - Week of 09/12/11: Great Colorado Adventure Giveaway, Diamond Earrings |
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| New Banking Products - Week of 08/29/11: Titan Checking, Trip to the Big Apple |
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| New Banking Products - Week of 08/08/11: Facebook, SimpleSaver, and SafeSpend Card |
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| New Banking Products - Week of 07/18/11: Bounce Protection Plus, All Star for the Day |
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| New Banking Products - Week of 07/11/11: Mini Hoime Makeover, Solar Certificate of Deposit |
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| New Banking Products - Week of 07/04/11: Rainy Day Savings and Summer Reading Contest |
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| New Banking Products - Week of 06/27/11: Pink Checking and Sky Blue Checking |
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| New Banking Products - Week of 06/20/11: Refer a Friend and Cool Camaro Contest |
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| New Banking Products - Week of 06/13/11: New Chase Phone App and Big Bank Limericks |
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| New Banking Products - Week of 06/06/11: BofA iPad App, Model Citizen Award |
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| New Banking Products - Week of 05/30/11: Mini Home Makeover, Lakewood Project Shepherd |
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| New Banking Products - Week of 05/23/11: Free Smartphone, Spring Flashback, Companion Airfare |
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| New Banking Products - Week of 05/16/11: Fuel Your Dreams, Onyx Credit Card, Really Free Checking |
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| New Banking Products - Week of 05/9/11: Big Bad Grand Opening, CustomerFest 2011 |
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| New Banking Products - Week of 05/2/11: Bump Smartphone Transfers, Mobile iPod Contest |
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| New Banking Products - Week of 04/18/11: National CU Youth Week, Introductory Line of Credit |
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| New Banking Products - Week of 04/11/11: Emergency Loans, Easter Eggs, Flying Squirrels |
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| New Banking Products - Week of 04/04/11: Instant Storefront, Used Car, Finance Makeover |
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| New Banking Products - Week of 03/28/11: Spring Dining, Gas Money, No-fee Student Checking |
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| New Banking Products - Week of 03/21/11: Energy Loans, Japan Relief, and Flying Cupcakes |
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| New Banking Products - Week of 03/07/11: Interest Back, Free Gifts, Free Checking |
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| New Banking Products - Week of 02/28/11: No Fees and New Rewards, Including Free Gas and a Cruise |
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| New Banking Products - Week of 02/21/11: Celebrating President's Day and the Academy Awards |
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| New Banking Products - Week of 02/14/11: More Sweepstakes and New Debt Reduction Strategies |
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| New Banking Products - Week of 02/07/11: Super Bowl Banking, SBO Perks, and MatriMoney |
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| New Banking Products - Week of 01/31/11: Winterfest, Off to College, and TurboTax Sweepstakes |
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| New Banking Products - Week of 01/24/11: BofA Launches New Platinum Privileges Program |
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| New Banking Products - Week of 01/17/11: More rewards programs to entice depositors |
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| New Banking Products - Week of 01/10/11: Lots of $100 Bonuses for New Bank Products |
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| New Banking Products - Week of 01/03/11: Covantage CU Adds Heating Relief Loan |
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| New Banking Products - Week of 12/13/10: Banks beef up holiday promotions |
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| New Banking Products - Week of 12/06/10: Bank of America 'Add It Up' Earns Cash Back from Retailers |
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| New Banking Products - Week of 11/29/10: AEA FCU promotes ShopAmerica Program with Cash Rewards |
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| New Banking Products - Week of 11/22/10: BayPort CU Promotes Credit Cards with New Sweepstakes |
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| New Banking Products - Week of 11/15/10 | |
| New Banking Products - Week of 11/08/10 | |
| New Banking Products - Week of 11/01/10 | |
| New Banking Products - Week of 10/25/10 | |
| New Banking Products - Week of 10/18/10 | |
| New Banking Products - Week of 10/11/10 | |
| New Banking Products - Week of 10/04/10 | |
| New Banking Products - Week of 09/27/10 | |
| New Banking Products - Week of 09/13/10 | |
| New Banking Products - Week of 09/06/10 | |
| New Banking Products - Week of 08/30/10 | |
| New Banking Products - Week of 08/23/10 | |
| New Banking Products - Week of 08/16/10 | |
| New Banking Products - Week of 08/09/10 | |
| New Banking Products - Week of 08/02/10 | |
| New Banking Products - Week of 07/26/10 | |
| New Banking Products - Week of 07/19/10 | |
| New Banking Products - Week of 07/12/10 | |
| New Banking Products - Week of 07/05/10 | |
| New Banking Products - Week of 06/28/10 | |
| New Banking Products - Week of 06/21/10 | |
| New Banking Products - Week of 06/14/10 | |
| New Banking Products - Week of 06/07/10 | |
| New Banking Products - Week of 05/31/10 | |
| New Banking Products - Week of 05/24/10 | |
| New Banking Products - Week of 05/17/10 | |
| New Banking Products - Week of 05/10/10 | |
| New Banking Products - Week of 04/26/10 | |
| New Banking Products - Week of 04/19/10 | |
| New Banking Products - Week of 04/12/10 | |
| New Banking Products - Week of 04/05/10 | |
| New Banking Products - Week of 03/29/10 | |
| New Banking Products - Week of 03/22/10 | |
| New Banking Products - Week of 03/15/10 | |
| New Banking Products - Week of 03/08/10 | |
| New Banking Products - Week of 03/01/10 | |
| New Banking Products - Week of 02/22/10 | |
| New Banking Products - Week of 02/15/10 | |
| New Banking Products - Week of 02/08/10 | |
| New Banking Products - Week of 02/01/10 | |
| New Banking Products - Week of 01/25/10 | |
| New Banking Products - Week of 01/18/10 | |
| New Banking Products - Week of 01/04/10 | |
| New Banking Products - Week of 01/11/10 | |
| New Banking Products - Week of 12/21/09 | |
| New Banking Products - Week of 12/14/09 | |
| New Banking Products - Week of 12/07/09 | |
| New Banking Products - Week of 11/30/09 | |
| New Banking Products - Week of 11/23/09 | |
| New Banking Products - Week of 11/16/09 | |
| New Banking Products - Week of 11/09/09 | |
| New Banking Products - Week of 11/02/09 | |
| New Banking Products - Week of 10/19/09 | |
| New Banking Products - Week of 10/12/09 | |
| New Banking Products - Week of 10/05/09 | |
| New Banking Products - Week of 09/28/09 | |
| New Banking Products - Week of 09/21/09 | |
| New Banking Products - Week of 09/08/09 | |
| New Banking Products - Week of 08/31/09 | |
| New Banking Products - Week of 08/24/09 | |
| New Banking Products - Week of 08/17/09 | |
| New Banking Products - Week of 08/10/09 | |
| New Banking Products - Week of 08/03/09 | |
| New Banking Products - Week of 07/27/09 | |
| New Banking Products - Week of 07/20/09 | |
| New Banking Products - Week of 07/13/09 | |
| New Banking Products - Week of 07/06/09 | |
| New Banking Products - Week of 06/29/09 | |
| New Banking Products - Week of 06/22/09 | |
| New Banking Products - Week of 06/15/09 | |
| New Banking Products - Week of 06/08/09 | |
| New Banking Products - Week of 06/01/09 | |
| New Banking Products - Week of 05/25/09 | |
| New Banking Products - Week of 05/18/09 | |
| New Banking Products - Week of 05/11/09 | |
| New Banking Products - Week of 05/04/09 | |
| New Banking Products - Week of 04/27/09 | |
| New Banking Products - Week of 04/13/09 | |
| New Banking Products - Week of 04/06/09 | |
| As seen at AmericanBanker.com |
| CD Watch - Week of 2/7/12 |
| CD Watch - Week of 1/31/12 |
| CD Watch - Week of 1/24/12 |
| CD Watch - Week of 1/17/12 |
CD Watch Archive
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