Treasury

Make more of your surplus funds.

Murmuration Treasury gives credit unions a smarter way to manage, optimise and place surplus funds. Compare market rates, manage liquidity and access a competitive treasury marketplace — all from one place.

Your funds remain under your control. Always.
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Make the market compete

Make the market compete for your money.

Instead of searching the market for somewhere to place surplus funds, Murmuration turns the model around. Once sufficient demand is aggregated across participating credit unions, institutions can compete for those funds — helping create stronger choice and more competitive rates.

You don’t chase the market. The market comes to you.

Credit unions

Credit Union A surplus funds
Credit Union B surplus funds
Credit Union C surplus funds

aggregated demand across participating credit unions

Murmuration Treasury

Aggregated

available to place

Critical mass reached

Institutions compete

Institution A bids for the funds
Institution B bids for the funds
Institution C bids for the funds
Institution D bids for the funds

Put every pound in the right place

Find the right balance of return and liquidity.

Get a clearer view of your operational cash and identify opportunities to make surplus funds work harder. Compare market rates, assess counterparties and optimise deposits while maintaining the liquidity your credit union needs to operate confidently.

Market rate comparison

See how available rates compare and identify opportunities quickly.

Deposit optimisation

Make informed decisions about where surplus funds could work harder.

Liquidity management

Balance returns with the cash you need to keep readily available.

Counterparty selection

Choose who you want to place funds with based on your own requirements.

Control stays with your credit union

Your policy. Your approvals. Your money. Your decision.

Murmuration helps you identify and act on opportunities. It doesn’t take control away from you. Your treasury policies, approval processes and decision-making remain yours.

Funds are never moved automatically.

01

Opportunity identified

Market opportunity available.

02

Review opportunity

Assess rate, term, liquidity and policy.

03

Approve

Authorised approver confirms the decision.

04

Place deposit

You instruct the placement.

05

You're in control

No automatic movement of funds.

See what’s coming

Plan ahead with confidence.

Better treasury decisions start with better visibility. Cash forecasting helps you understand future liquidity requirements, while treasury dashboards give your team a clear picture of cash positions, deposits, rates and activity.

That means less time piecing information together and more confidence in every decision.

Give your board a clearer picture

Turn treasury activity into clear, decision-ready reporting.

Board reporting and a comprehensive audit trail make it easier to demonstrate where funds are held, how decisions were made and how treasury activity aligns with your policies.

Total cash — position at a glance
Surplus funds — available to place
Weighted avg rate — across deposits
Policy compliance — all limits met

Clear oversight. Clear accountability. Clear decisions.

Ready to do more

Surplus cash should do more than sit still.

Give your credit union the tools to make its funds work harder — while keeping control exactly where it belongs.

Your policy. Your approvals. Your decision.

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