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HOUSTON—When the Durbin rules on interchange were about to go into effect there were numerous predictions that it would decimate income streams at all credit unions, not just those that fell under its purview.

PLANO, Texas—When the Fed eventually moves to push short-term rates higher it will change the mindset of Americans who have felt “stuck in a rut” on investments for years. And that will put a lot of pressure on deposit rates, something that will pinch net interest margins for a period of time, one analyst is forecasting.