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.
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
aggregated demand across participating credit unions
Murmuration Treasury
Aggregated
available to place
Critical mass reached
Institutions compete
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.
Opportunity identified
Market opportunity available.
Review opportunity
Assess rate, term, liquidity and policy.
Approve
Authorised approver confirms the decision.
Place deposit
You instruct the placement.
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.
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.