A community bank president gives his forecast for 2010 in The Columbian article
. Here is what he says about deposit growth:
Core customer deposits provide the best source of cash for banks, so expect banks to focus on deposit growth - especially business and checking accounts
So we may see some good deals on checking accounts. However, he doesn't think we'll see much loan growth:
Banks will repair and reduce balance sheets rather than lend and grow in the coming year
That's not good for deposit growth and CD rates.