Market Updates

Deposit Shifts, Fed Cuts & the Search for 4%

Written by Investment Advisory Team | Feb 26, 2026 8:14:17 PM

 Short-term certificate concentrations are rising, creating both cost-of-funds opportunities and ALM challenges as rate cuts approach. With markets pricing in limited Fed easing and the 10-year drifting lower, credit unions must balance liquidity, lending competitiveness, and duration strategy. We also explore where 4% investment opportunities still exist—and the structural trade-offs required to get there.