Investing and Funding Solutions

Solutions

“… discover cost effective deposits that are not coming to market from your local area…”

“… direct dealing between depositor and investor is the straightest line to a positive outcome…”

“… active, alert, and effective management can mitigate the added risks associated with wholesale funding sources…”

“…profit by maintaining control of your investments and remaining directly involved in the buy/sell discipline…”

“… no two banks are alike… we stand ready to analyze and effectively manage each client’s explicit liquidity concerns…”

“… on no account do you want to manage your financial affairs without National CD Rateline’s complete and customized accounting packages…”

“… a chance to put online technology to work in developing new opportunities for growth, wherever interest rates are higher…”

Solutions
Deposit Source
Deposit Source
Reduce Brokered Deposits
Reduce Brokered Deposits
FHLB Limits
FHLB Limits
Investments
Investments
Contingency Liquidity Plan
Contingency Liquidity Plan
Complete Accounting Packages
Complete Accounting Packages
Nationwide Networking
Nationwide Networking

Deposit Source

In today’s supercharged arena of power financing, you can no longer afford to limit your earnings potential to the local funds and resources immediately at hand. National CD Rateline has been helping thousands of institutions to discover cost effective deposits that are not coming to market from your local area. Our unique operating template enables banks and credit unions across the country to connect directly with one another, without the intervention of third parties.

The result: speed-of-light transactions, unhindered by time-consuming and profit-draining brokers and fees. And the satisfaction of knowing that in a matter of seconds, and with a few strokes of the keyboard, you’ve searched, researched, and negotiated the nation’s Jumbo CD offerings of the moment.

Billions of dollars worth of such transactions flow through the National CD Rateline network yearly. And, thanks in no small measure to word of mouth, the number of referral deposits keep rising as more and more of our clients tell each other about our highly innovative, highly rewarding deposit service.

Reduce Brokered Deposits

The result of our direct investment system, linking buyer and seller in a one-on-one transactional relationship, is much greater than the sum of its parts. A huge benefit of rolling off your brokered deposits and replacing them with our core non-brokered deposits is that there are no rollover fees or per transaction fees.

Just a glance at the books on your cost-of-business for recent investments can be very enlightening. It’s not just what a direct relationship that eliminates brokered fees could do to improve your bottom line. It’s what you would gain in having more control over your deposits. The freedom to move fast when an opportunity presents itself, without a third party running interference, can often be of inestimable value.

Another thing: regulators and examiners traditionally frown on brokered deposits, often quite rightly questioning their cost-inefficient, expensive up front fees. Our experience is that direct dealing between depositor and investor is the straightest line to a positive outcome.

FHLB Limits

Sometimes an overheated, fluctuating marketplace can lead to a search for alternatives to burning your assets to satisfy liquidity needs. Although core deposits continue to be a key liability funding source, many insured depository institutions are turning to wholesale funding sources to bolster their funding and liability management assets. National CD Rateline is unique in guiding you through the minefield of potential exposure to the inherent credit, interest rate, and liquidity risk these resources present.

For our clients, we closely track the ups and downs of liability funding sources and their up-to-the-moment financial well-being. If their condition suggests it, we strongly advise curtailing them for other investment opportunities with more healthy interest rates. We help manage the question of whether or not to use liability sources based on an instantaneous but thorough analysis of the costs involved, your portfolio profile, and the availability of attractive alternatives. Measuring, monitoring, and managing liquidity risk may also require us to apply enhanced processes such as scenario modeling.

Active, alert, and effective management can mitigate the added risks associated with wholesale funding sources. Reputation risk plays a critical role in your ability to access funds readily at reasonable terms. For that reason our goal is to keep you aware at every moment of any factors, real or perceived, that could affect the market’s and the public’s perception of the soundness of your decisions.

Investments

There’s a reason thousands of in-the-know investment managers swear by the sound and secure Jumbo CD investment opportunities available on National CD Rateline. For one thing, give you all the control of the buy/sell transaction you want. You deal directly with your counterpart, with no brokers to run interference. That means no broker fees. No per transaction or rollover fees. Low cost, high impact subscription fees. You save thousands of dollars, vis-à-vis other rating services.

We give you all the tools to develop and diversify your holdings. And there’s no expensive software involved. If you want help, we’ll give you as much or as little as you need: surveying the standings of thousands of institutions daily, rating the best available Federally insured Jumbo CD offerings across the country, issuing daily alerts that impact your holdings or offer worthwhile investment opportunities, providing risk analysis estimates, and a profile of your portfolio drawn up any way you like… short term profitability, long term growth, liquidity risk potential.

National CD Rateline offers you an unparalleled opportunity to profit by maintaining control of your investments and remaining directly involved in the buy/sell discipline. And speaking of profitability and growth, our clients earn an average of 25 basis points higher on their investments.

Contingency Liquidity Plan

When the going gets tough, the tough, smart banks always know they can put into play their contingency liquidity plan. The FDIC calls it that way too. But for them, it’s not just a game plan, it’s a rule. As they officially put it, "Contingency plans must be in force, and should include strategies for handling liquidity crises and procedures that address cash flow shortfalls in emergency situations."

Recognizing this, National CD Rateline follows a protocol with clients aimed to create a customized portfolio which develops alternate emergency funding relationships with lenders, other liability holders, and market participants that are diversified and reviewed periodically to ensure a capacity to access funding.

This can be a delicate task requiring a broad experience in the marketplace and precision judgment. For example, effective liquidity management does not necessarily mean turning to the cheapest funding source available. A preferable option might be choosing a source that is not the cheapest but avoids a funding concentration, as such funding increases a liquidity risk. We believe the frequency of contact and the use of diversified, flexible funding sources are indicators of a strong funding relationship.

Along with cost and diversification issues, any sound contingency liquidity solution should consider maturity and repricing balance sheet mismatches, anticipated funding needs, as well as reliable, broad-based, and thoroughly documented economic and market forecasts.

No two banks are alike, in terms of the sophistication and depth of their funding activities. At National CD Rateline we stand ready to analyze and effectively manage each client’s explicit liquidity concerns with a powerful information system, strong emphasis on exploring funding needs under various scenarios, and the diversified, custom-made plans so crucial to realistic and effective contingency liquidity management.

Complete Accounting Packages

Having the resources of National CD Rateline’s innovative accounting package always at hand…really just a click away, 24/7… is like having a well experienced and deeply staffed accounting department at your disposal day and night, weekends included, with no holidays, sick leave, or paid vacations.

You not only save yourself the hassle of recruiting (or hiring away from competitors) the best talent available, to say nothing of what you would have to pay them. You also save an enormous amount of time, time better spent meeting the challenges of today’s ever-morphing financial marketplace. Our accounting department offers far and away the most substantive and technologically advanced series of custom-designed accounting packages on the market… as well as the most simplified, accessible, flexible, and liberating.

Whatever your requirements, you’ll discover a complete array of components developed specifically to help you put together your own completely professional CD management system. You’ find everything you need to run daily, hourly, or minute-by-minute daily Search Filtering. An instantaneous Financial Calculator to sum up your holdings from any perspective. A comprehensive Rate Average Graph. And free 24/7 Technical Support.

Clients tell us they can’t live without our newest e-mail innovation: Rate Robot Total Portfolio Tracking. It literally keeps track of your entire portfolio on a minute-by-minute basis. Now you can check your 60-month Maturity Graph, chart trends, note concentrations, consider evening things out. Rate Robot helps you put together your Accrual Report. Self-Audit your portfolio. Get pop-up Institutional Alerts. Review our e-mailed Top Ten Rates. Refer to your private Transactions Directory.

On no account do you want to manage your financial affairs without National CD Rateline’s complete and customized accounting packages.

Nationwide Networking

On the vast financial landscape that is today’s American marketplace, no town, city, state, or region has a monopoly on high-yield resources for institutions seeking new and viable funding with real growth potential. National CD Rateline has been making it not only possible but easy to discover and explore in depth the thousands of such deposits that are not coming to market in their own local market.

Think of the National CD Rateline network as one big online umbrella, creating a protective marketplace where depositors and investors can mingle and connect in a non-brokered setting highly conducive to well-informed, cost-effective, and instantaneous transactions. This is precisely the opportunity savvy, but busy, investors throughout the country have been looking for: a chance to put online technology to work in developing new opportunities for growth wherever interest rates are higher.

And if, in the bargain, rural and local economies thrive and prosper in this increasingly competitive and popular environment we have created, so much the better. For everyone, it’s a win/win situation.

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