Article: PUBLIC KEPT THE FAITH WITH THRIFTS

THIS ELECTRONIC VERSION MAY DIFFER SLIGHTLY FROM THE PRINTED VERSION. The Bottom Line

Thrift institutions are doing their darndest to dig out of a hole, and the public apparently believed all along that they would. The institutions, savings and loan associations, savings banks and the like, were part of a grand scheme to promote home ownership in the United States, and home ownership surely thrived.

A couple of awful things happened to the system, however.

During the 1970s, when interest rates soared, thrifts were having to pay interest well up in the double digits to attract deposits. Meanwhile, they had most of their assets committed long-term in mortgages for as little as 3 percent.

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