Competitor Rate Monitor
Daily public-rate movement for CDs, money market, and commercial sweep products. Use it to defend high-balance relationships, time displacement calls, and walk into pricing meetings with evidence.
Business money market: 3.10% APY, -25 bps since prior snapshot, -65 bps versus bank reference. Use Ouachita Valley Trust's lower public Business money market position as a reason to call rate-sensitive prospects and existing single-product relationships.
Rate Movement Watchlist
| Competitor | Product | Current | Move | Gap | Action | Confidence | Show work |
|---|---|---|---|---|---|---|---|
| Ouachita Valley Trust | Business money market | 3.10% | -25 bps | -65 bps | Call displacement targets | Needs review | Demo sample Fictional demo snapshotIllustrative demo data - not a real competitor rate. |
| Ozark Prairie Bank | Money market | 3.25% | -20 bps | -40 bps | Call displacement targets | Needs review | Demo sample Fictional demo snapshotIllustrative demo data - not a real competitor rate. |
| Riverbend Bank | Business money market | 3.55% | -15 bps | -20 bps | Call displacement targets | Needs review | Demo sample Fictional demo snapshotIllustrative demo data - not a real competitor rate. |
| Ozark Prairie Bank | 12-month CD | 3.95% | -20 bps | -20 bps | Call displacement targets | Needs review | Demo sample Fictional demo snapshotIllustrative demo data - not a real competitor rate. |
| Cypress Creek Bank | Commercial sweep | 3.80% | +18 bps | -5 bps | Defend relationships | Needs review | Demo sample Fictional demo snapshotIllustrative demo data - not a real competitor rate. |
| Riverbend Bank | 12-month CD | 4.20% | +15 bps | +5 bps | Defend relationships | Needs review | Demo sample Fictional demo snapshotIllustrative demo data - not a real competitor rate. |
| Delta Pines Bank | 6-month CD | 4.10% | +10 bps | +5 bps | Watch | Needs review | Demo sample Fictional demo snapshotIllustrative demo data - not a real competitor rate. |
Product Leaders
Compliance Guardrails
Use public rate movement as market context only; do not claim private knowledge of where a customer or prospect banks.
Do not promise best rate, preapproval, or guaranteed pricing. Bankers should route exceptions through normal deposit-pricing policy.
Rate alerts are not credit prescreening and should not be used to make eligibility decisions.
If a source requires a license or prohibits automated collection, keep it disabled until legal/vendor review approves it.
Source Governance
Publicly posted rate information; collection must follow posted terms, robots guidance, and rate limits.
Daily morning check, with manual override before ALCO or pricing meetings.
Store source URL, snapshot time, product label, and parser confidence before presenting as banker action.
Use only after commercial terms and redistribution rights are reviewed.
Daily where permitted; more frequent checks require source approval.
Aggregator rows are labeled as market intelligence and cross-checked against official bank pages when possible.
Public federal data, used to identify institution and market context, not customer behavior.
Nightly institution refresh; branch deposit periods follow official publication cycles.
Rate movement is never described as private customer knowledge or evidence that a specific prospect is rate shopping.