Hosts Kai and Emma explain why term deposits—like share certificates and CDs—are one of the rare areas where examiners and credit union boards reach the same conclusion: these instruments provide stability, predictability, and defensibility in funding when markets turn choppy.

The episode covers the regulator's view (lower liquidity and interest-rate risk, better stress-test outcomes) and the board's view (paying a premium for certainty to support strategic growth), and concludes that term deposits are a deliberate, balanced tool for resilient funding.

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