New CUNA Lending Council White Paper: Navigating the Rising Rate Environment

By CUNA Councils07.18.2019
The CUNA Lending Council has published a new white paper, “Navigating the Rising Rate Environment.”
After a decade of record-low interest rates, credit unions are navigating a rising rate environment for the first time in many years. Operating under a low interest rate environment for so long, the prospect of higher rates is bound to disrupt practices of the past decade. Rising interest rates could mean higher cost of capital, diminished borrowing by consumers, more late payments and defaults by paycheck-to-paycheck consumers, and increased competition for deposits.
This white paper examines:
  • The prospect for rising interest rates in the coming years,
  • How political uncertainty and new economic fundamentals could impact rates,
  • How credit unions have adapted to the low-rate environment during the past decade-plus,
  • How rising rates could impact deposits, lending, and margins, and
  • How credit union leaders should assess the situation and respond. 

white paper

white paper summary


CUNA Council members are eligible to receive complimentary copies of this, and hundreds of other white papers. The paper is available online in the white paper section of

Not a Council member? Explore member benefits and join now.

Press may contact Natalie Sherry at for more information.

CUNA Lending Council
CUNA Councils are a member-led, collaborative community of credit union leaders providing vibrant peer interaction, new ideas and innovation to foster professional development for our members while advocating for the overall success of the credit union movement.  The CUNA Lending Council is one of seven CUNA Councils, a network of more than 7,000 credit union professionals. For more information, visit