Two issues are emerging at the top of the list of financial concerns for 2019. First, deposit growth is slowing and the cost of attracting new deposits presents a major challenge now that short-term interest rates have risen above 2.00%. Moreover, the Fed might not be done adding to the pressure. This session will address deposit cost issues and strategies to manage a rising cost of funds. A particular focus will be placed on the economics of CD specials. Second, loan pricing is a hot topic as credit unions battle the trade-off between loan production goals and the need for higher loan yields. This session will address loan-pricing strategies from two perspectives: profitability and fairness among members. A particular focus will be placed on the economics of auto loan pricing.