Kavulich Consulting offers financial institutions and credit unions access to low cost funding solutions through our vast network of funding sources.  We provide both brokered and non-brokered deposits that can be tailored to meet your needs by allowing you to ladder your portfolio to avoid the cyclical ups and downs you may have experienced in the past. In addition, you do not pay a consulting fee to do business with Kavulich Consulting. 

The non-brokered deposits are subscription based and provide you with a network of over 3,000 pre-screened institutions.  The system is automated and makes meeting your funding needs easy.  You will be provided online reporting which will keep track of your investments and remind you of any maturities that are coming due.  In addition you will have access to expert regulatory guidance which can assist you with establishing risk policies for out-of- area institutional funding, including contingency funding matters.

Our brokered deposits provide you larger stable deposit funding relationship.  Banks may choose from a variety of tools and products to implement their funding strategy/plan.  These tools include FDIC insured (direct and deliverable: brokered deposits) deposits, reciprocal deposits, and or collateralized (pledged securities and or Letter of credit) deposits.  In addition, a variety of products can be utilized such as term deposits (both direct and deliverable), Money Market accounts, and NOW accounts.   These funds consist of Public Funds and allow you to ladder your portfolio so as to avoid the cyclical ups and downs you may have experienced with public funds in the past.  With this service you gain access to low cost funding that does not cannibalize your existing funding programs or increase your internal overhead costs. 

Please contact us to set up a time to review these services.         

Our funding sources provide you 

larger stable funding solution.