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Anticipating the Effects of Federal Reserve’s Interest Rate Increases


Banks and credit unions need to understand how rising interest rates will affect their financial performance

New research from Mercator Advisory Group discusses ways that rising interest rates are likely to affect retail banking business models

In this research note, Anticipating the Effects of Federal Reserve’s Interest Rate Increases, Mercator Advisory Group examines how a rising interest rate environment can affect financial institutions’ financial performance.

“Several questions loom large, including at what pace will subsequent Fed rate hikes occur, what will be the duration of the rate hikes, and how high rates will be over the next few years. These questions are important because many of today’s bank and credit union employees have never worked in a rising rate environment. For these people, planning for potential changes in interest-sensitive products, like deposit and credit offerings, may not be top of mind,” comments Ed O’Brien, director of Mercator Advisory Group’s Banking Channels Advisory Service and author of the research note.

This document is 9 pages long and has 4 exhibits.

Members of Mercator Advisory Group Banking Channels Advisory Service have access to this research note as well as the upcoming research for the year ahead, presentations, analyst access and other membership benefits.

Highlights of this research note include:

  • Reasons the Federal Reserve is likely to take a measured, gradual approach to rate increases   

  • Common considerations and strategies for banking institutions in the face of rising interest rates   

  • The necessity for increased education and awareness for banking personnel who have never worked in a rising interest rate environment, which includes anyone who has worked in a bank or credit union for less than 10 years