Maintaining and managing the right mix of liquidity tools required to fund assets and meet obligations
is arguably the most important responsibility any bank owes to its financial well being and that of its
National CD Rateline has built its reputation and success with clients by greatly simplifying and
speeding up the funding transactions in Jumbo CDs.
Investor institutions looking for a soft landing for excess liquidity will find no better or more
accessible trading floor than National CD Rateline. At any given moment of every day, thousands of
qualified Investment Managers can be found discovering and taking advantage of Jumbo CD investment
opportunities on www.cdrateline.com. And for good reason.
National CD Rateline is quite simply the most powerful tool in the Jumbo CD industry. There are no
broker fees. No per-transaction or rollover fees. Savvy investors know and appreciate the value of
our low cost, highly effective subscription rates. And since you have free rein to deal directly
with the institutions you choose, you save literally thousands of dollars compared to other sources.
What’s more, our clients are given all the necessary tools to develop a sound diversification
policy of your own, with the greatest potential for profitability at the least cost. There is no
expensive software to support. We do the job for you, surveying thousands of institutions daily,
giving you unlimited daily purchasing power to invest in Federally insured top Jumbo CD offerings
across the country. Our one-of-a-kind interactive web site puts at your fingertips the ability to
place your investment directly with the depository. No middlemen. No sticky fingers.
National CD Rateline has been consistently profitable and continues, along with our clients, to
prosper. Our growth has been made possible through a simplified and highly flexible online buy/sell
template, innovative marketing campaigns, sales presentations, participation in financial
conventions, and guest-speaking engagements.
If you’re looking for a way to prosper by maintaining control of your investments and remaining
directly involved in the buying and selling process, we invite you to take a look at National CD
Rateline. We’re about more than merely freeing you up to deal direct and save thousands of dollars.
We’re about the result: our clients earn an average of 25 basis points higher on their investments.
Built into the National CD Rateline methodology is a process that many other ratings services
either do not provide at all, or offer as a stand-alone profit center. It is benchmarking,
sometimes referred to as “process benchmarking” or “best practice benchmarking.” And it is part
of the package when you become a National CD Rateline annual subscriber.
Benchmarking is an invaluable management tool that will keep you totally wired in not only to
current market trends but also the historic scenarios that set the stage for present events.
This balancing of past against present will help you insulate against interest rate risk, while
also giving you the opportunity to foresee and capitalize on funding and investment options during
Our experience with clients is that benchmarking is a process which managements, particularly
strategic managements, already appreciate and use in evaluating various aspects of their processes
in relation to “best practice,” usually within their own sector. Sometimes thought of as a one-off
event, in today’s volatile marketing environment it is more and more being included in the marketing
mix as a continuous process by which smart organizations seek to raise the bar by constantly seeking
to challenge their practices.
National CD Rateline clients have come to rely on the benchmarking process as integrated directly
into our daily buy/sell discipline. It is our goal to keep you on top of your game when it comes to
the bottom line.
National CD Rateline’s innovative accounting package will save you an enormous amount of time, time
better spent on meeting the minute-by-minute challenges of an ever-evolving financial marketplace.
Far and away the most experienced and technologically advanced Rate Service… as well as the most
simplified, most flexible, most liberating… our accounting department offers all the time-tasking
components of a complete CD management system. It facilitates detailed Search Filtering, features a
Financial Calculator, a comprehensive, daily-updated Rate Average Graph, and free 24/7 Technical
Most notably, clients can enjoy the ultimate luxury of our e-mail innovation: Rate Robot where
you don’t even need to be logged into the system. Our Rate Robot enables you to receive email
offerings customized to your specifications. Just enter the information once and the system will
notify you whenever an offer becomes available.
Clients now have at their fingertips the ability to keep track of their entire portfolio at a
moment’s notice. Simply clicking on to their own Maturity Graph, for instance, enables them to
chart their maturities from one to 60 months, note where they are concentrated, consider laddering
their portfolios more evenly.
Our Accounting Package makes creating your own Accrual Report a snap. Click on the institution or
institutions involved to produce a complete rundown of interest accrued, payments received, accrual
balances, last payments, and their amounts. Audits become automatic, whether they be for a detailed
report on any investment in your portfolio, a bulk payment overview, or an audit confirmation
notification. Pop-up Institutional Alerts, highlighting investments you already own, safeguard you
from doubling up on investments.
Other popular features generated by our accounting software include our list of Top Ten Rates,
emailed to clients twice weekly, as well as a convenient and time-saving private directory of all
pertinent information regarding your bank transactions, such as key contact people, their phone
numbers and extensions, and certificate numbers.
When it comes to keeping you financially informed, count on us to keep you fully accountable.
Core / Retail
In today’s volatile marketplace, banks looking for financially productive and viable sources of
funding welcome deposits obtained through National CD Rateline. Considering them to be non-brokered
status, these bankers classify such funding as core deposits.
And the FDIC backs them up in this assessment. The FDIC classifies a rate board as a “non-brokered
listing service’ if it meets certain criteria:
- It must charge clients subscription fees only.
- No fees will be levied based on the number or dollar value of CDs
- The rate board performs no services for clients except the gathering
and transmission of information.
- It is not involved in placing deposits.
National CD Rateline qualifies on all counts. Core deposits are typically thought of as lower cost
funding sources that lag behind other sources in the need for re-pricing during a period or rising
However, the core issue remains where to find funding that will withstand the uncertainties of
today’s market. It is far truer in the mega-markets that hold sway in modern economies that Jumbo
CD time-deposits have proven to be the more relatively stable funding sources… and the most fiscally