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Financial and Lifestyle Resources for Vermont

VSECU Blog

In the VSECU Blog you'll find financial and lifestyle resources to help empower possibilities for your personal success.

Terence Field

Terry Field is the senior vice president of finance at VSECU. In his role, he is involved with the other members of the Senior Management Team and members of the Asset Liability Management Committee in setting both loan and deposit rates. During his tenure at VSECU, Terry has seen the highs and lows of the interest rate cycles. When Terry isn’t trying to guess the future direction of interest rates, he is riding his bike in the summer and skiing in the winter.

By: Terence Field

March 5th, 2020

How Are Interest Rates Determined by Financial Institutions?

Learn Something New

As a finance professional, I am frequently asked “what is going to happen to interest rates?” The obvious answer is that interest rates are going to go up and they are going to go down. I just don’t know when they are going to go up or down. If I did, I would be a much wealthier person. The reality is that no one can accurately predict the direction of interest rates.

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