Podcasts about credit unions

“Start simple and stay curious.” - Larry MeadorThank you for tuning in to The CUInsight Network, with your host, Robbie Young, Vice President of Strategic Growth at CUInsight. In The CUInsight Network, we take a deeper dive with the thought leaders who support the credit union community. We discuss issues and challenges facing credit unions and identify best practices to learn and grow together.My guest on today's show is Larry Meador, CEO of evok credit union marketing. Our conversation goes far beyond marketing buzzwords and demographic charts, with Larry sharing how a kid obsessed with commercials and creativity eventually found his way into advertising and the credit union world. Along the way, hear the wildly scrappy origin story behind evok!Throughout our conversation, Larry explains why demographics alone don't tell the full story and why understanding motivations, anxieties, habits, and emotional triggers matters so much more than simply targeting “women 35 to 54.” We talk about the difference between target audiences and personas, how digital personalization has completely changed member expectations, and why credit unions can't afford to sound generic anymore. Larry also breaks down how his team helps credit unions identify who they're already connecting with, where future opportunities exist, and how behavior-driven marketing can help strengthen loyalty in an era when consumers can move money with simply a few taps on their phones.As we wrap up the episode, Larry talks about why travel makes him a better marketer, the lessons that he has learned from coaches and family members, and why communication sits at the center of great leadership. Enjoy my conversation with Larry Meador!Find the full show notes on cuinsight.com.Connect with Larry:Larry Meador, CEO of evok credit union marketingevokad.comLarry: LinkedInevok: LinkedIn | Facebook | Instagram | XFilm mentioned: Jerry MaguireFilm mentioned: Other People's MoneyBook mentioned: The Art of Client Service by Robert SolomonBook mentioned: What Drives Winning: Building Character Gets Results. Here's How. by Brett LedbetterBook mentioned: Meditations by Marcus AureliusIn this episode:[0:58] - Hear how childhood creativity and fascination with commercials eventually led Larry into marketing and storytelling.[2:38] - Larry reflects on how a nontraditional career path and guerrilla marketing tactics helped launch evok.[4:33] - evok blends creativity and analytics to uncover members' emotional financial decision-making drivers.[6:47] - Larry argues that personas reveal behavioral motivations, enabling more personalized member communication.[8:31] - Larry believes that personalized, relevant messaging helps credit unions compete through stronger member connection and loyalty.[10:37] - Effective persona development starts by understanding your existing members and opportunities for growth.[12:56] - Larry argues that persona-driven messaging strengthens relationships by anticipating members' needs and life stages.[15:48] - What is evok's focus for the future?[17:42] - Hear how travel broadens Larry's cultural understanding, creativity, and perspective as a marketer![19:42] - Larry mentions several books that he thinks everyone should read.[20:24] - Larry asserts that entrepreneurial “balance” comes via integrating family, fitness, reading, and creative recovery time.[21:21] - In closing, authenticity and human connection give credit unions opportunities to compete beyond size and technology.

Send us Fan MailCome join Peter Rice, CEO of $2.3 billion Hanscom Federal Credit Union, on a walk.  A Long walk.  70+ miles.  On the Camino de Santiago in Spain and Portugal.Rice did that walk three times for his book Break or Become: How Hard Roads Make Good Leaders.What's the book about? In an hour long podcast Rice explains and, listen up, it's about the death of a spouse, raising two young boys as a single dad, entering a second marriage, and lastly a Camino with two co-workers.Stuff goes wrong.  Stuff goes right.In the walks Rice explores big topics: what's a leader's role, what's a father's role, what differentiates credit unions, what's the future of credit unions, and why would a groom wear kilts to a wedding in Lisbon, Portugal?Rice by now has added one more Camino to his achievements and, as for your host, I have done two and must admit Rice's enthusiasm for the path has triggered in me a desire to add one more.But know this is not so much a book about walking the Camino as it is about leadership -- but it just may be the most unusual leadership book on the shelf.There's a link in the show notes to the book, buy it.Rice has been on the show before In 2021 he talked about helping members manage stress.  In 2025 he had been named CEO at Hanscom Federal Credit Union and he returned to the show to talk about credit union federal tax exemption, even the history of his native Ireland. Links to those shows are in the show notes.When he told me he had published a book, I had to get him on.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Send us Fan MailCareful or courageous?Which are you?James Grenon, vice president of administration at Summit Credit Union, a mid-sized institution in North Carolina, raised exactly that question in a recent CUInight story entitled: “Careful or courageous: The leadership choice that shapes culture.”Regular listeners know I have a bugaboo about what I see as the unhealthy risk aversion of many CU executives and boards so you can guess I am all in on Grenon's topic.Grenon sets the stage with a heavy snowfall in North Carolina.  His young daughters hadn't even seen so much snow, they initially were frightened and wanted to stay inside.Grenon picked up the story: “they bundled up anyway. Carefully at first. Testing their footing. Adjusting their pace. Before long, there were snowball fights in the yard, sled runs down the hill, and laughter echoing through the neighborhood with other friends.“They respected the conditions. But they did not let the conditions decide for them.That is the balance leadership requires. Acknowledge risk. Prepare for it. But do not let caution become confinement.”In our conversation we explore the cautious-courageous dynamic at credit unions involving everything from a core conversion - a recent project at Summit - to the roll out of AI initiatives.Meantime, fintechs embrace risk.  They grow in part by taking risks.  Nobody is saying credit unions should be as ready to plunge into risk - but should they take more risks?Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

The Moneywise Radio Show and Podcast Friday, May 22nd  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Michael George, Executive Vice President/Marketing at Safe 1 Credit  The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Michael George & Safe 1 Credit Union are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

Good luck, then we chat about heart health care, then robbing banks with dogs.

How many FIs have a relatively high efficiency ratio? In other words, how much do they have to spend to make $1? Scott Fieber, chief strategy officer, said he was shocked to find out that "over 12 % of all institutions in the United States are over 90%." This means that these FIs had to spend more than 90 cents to make $1.Fieber and Scott Smith, chief strategy officer at Cook Solutions Group, joined Bradley Cooper, editor of ATM Marketplace, to discuss this issue and how banks can reduce their ratios in this episode of the Bank Customer Experience Podcast.Fieber and Smith emphasized the importance of starting small with this issue, as even reducing ratios by 2% could make a big difference to one's bottom line. That money saved can then be used for strategic initiatives."Instead of spending that money on inefficient practices and doubling down on bad purchases and bad protocols, now we've got some money. Let's free it up to do the fun stuff," Fieber said.One way to improve this ratio, according to Smith and Fieber, is to take a look at one's vendor relationships and ask basic questions such as:Are we experiencing vendor creep?Are multiple departments using different vendors, where we could use one?Is there a vendor we could partner with to handle multiple aspects of our business?When asked how FIs can begin addressing efficiency ratios, Fieber pointed to hosting a strategic workshop where banks can gain some "nuggets" that could start some ideas."Why is a strategic workshop so important? It's important for the FI individually, but it's also important for the FI to involve their partners so that they understand the strategic layout of what their partners are doing too. Hey, what's on your roadmap? Does it align with ours? I think those are all conversations that sometimes get overlooked that are very, very valuable," Smith said.Cook Solutions Group created a guide called A Strategic Guide for Banking Executives: 10 Questions for Banking Executives, which FIs can use during these workshops to jumpstart conversation.Fieber said the guide can "at least get you started if you're kind of stuck on a home plate, not sure where to go."Listen to the entire conversation above. Click here to download Cook Solutions Group's free guide.

Steve Bugg, President & CEO of Great Lakes Credit Union, joins WGN's Jon Hansen to discuss Illinois Interchange Fee Prohibition Act (IFPA) and what it means for consumers and community financial institutions. Steve explains what interchange fees are, why the new Illinois law is problematic for credit unions and community banks, and how it could ultimately […]

A Clare credit union says its payments system is "stable" once again following a disruption. It's understood the European Banking Authority, which oversees the clearing of transactions for banks and lending institutions across the EU, conducted a software update last weekend. This resulted in issues with instant payments for customers in Clare. CEO of St Francis Credit Union in Ennis, Louis Fay, claims they're back to a "state of normality" after a few days of uncertainty.

Send us Fan MailCan bill pay be revived at credit unions?You may remember, perhaps a generation ago, when bill pay was revered by financial institutions because it was viewed as creating stickier members who, having inputted a dozen or two bill pay recipients, were reluctant to change FIs because of the work involved.Bill pay lost a lot of its stick when various fintechs rolled out widgets that collected billpay data so it could be transferred to another institution.The death blow came when many vendors - including most credit card companies - created auto pay tools where a user can choose to pay the minimum or the balance due or amounts in between automatically.  That's what I use to pay all my recurring bills and the closest I've come to using oldfashioned bill pay is when I've paid contractors with Zelle a couple times.Cary Strange is on the show to tell how PayOnward plans to change that current practice and, hold on, know that PayOnward is a portfolio company of Black Dragon Capital which talks about PayOnward this way: “PayOnward is a cloud-native universal payments platform that empowers Community Based Financial Institutions to offer a full suite of AI driven digital payment solutions for both business and consumers through an easy to use and efficient integrated solution.”Now know that Black Dragon Capital  is a private equity firm founded by Louis Hernandez, Jr. a dozen years ago.  He's a longtime credit union tech innovator - think the DNA core system. Hernandez is not a guest on this episode but he is much referenced in it.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Pam Piligian is the Chief Marketing Officer and Senior Vice President at Navy Federal Credit Union, a member-owned, not-for-profit financial institution dedicated exclusively to serving active-duty military personnel, veterans, and their families. At Navy Federal, Pam oversees all global marketing and advertising strategy, digital property engagement, corporate social responsibility, and data analytics—powering the credit union's famous brand ethos, "Our Members Are the Mission." Before making the leap client-side to Navy Federal, Pam spent 30 years building an illustrious career in account leadership at top-tier ad agencies, including BBDO Worldwide, DDB, and Fitzgerald & Co. Notably, while at Fitzgerald & Co., she actually helped win the Navy Federal account in 2009 and orchestrated the massive branding transition when the credit union opened its doors to all branches of the military.

In this time of financial uncertainty, financial literacy is even more important than it ever was. Knowing what a credit score is, how it impacts interest rate on loans, and knowing how much to save can have a massive impact on your everyday life. Peter Kreten sits down with members of the Northwest Community Credit Union. Kreten is joined by NWCCU CEO Jose Garica, student intern Conor Murray, and NWCCU Board member Ron Luce to discuss these matters and why joining a credit union can help.

On Wednesday's edition of SaskAgToday with Ryan Young: Federal Agriculture Minister Heath McDonald in Saskatchewan for meetings with stakeholders, and more.

This episode gives listeners an inside look at one of our ServiStar Trainer Mastermind Groups, where certified trainers unpack how to teach Service Excellence more effectively. Scott is joined by Josh Sweeney from Kemba Credit Union and Heather Fritz from Dow Credit Union for a practical conversation about what truly moves members from simply satisfied to deeply loyal. Along the way, they explore meaningful and memorable moments, the CARE model for service, empathy that leads to action, and how consistency and competence shape the member experience. Whether you are a trainer, current leader, or aspiring leader, this conversation will challenge you to think more intentionally about the service culture you are building. What you'll learn: How to move members from being merely satisfied to becoming loyal advocates by helping them not only receive value, but feel valued. Why meaningful and memorable moments, empathy, and listening with your whole self are essential to delivering exceptional service. How leaders can build consistency and competence across teams by tying daily behaviors back to purpose, attitude, and ownership. Click Here to Submit Your Questions    Links from show:  ServiStar Winning Strategies webinars  Sign up for the Service Excellence workshop we talk about! Subscribe to ServiStar Leadership Podcast on your favorite streaming service 

Is your credit union ready for what is happening in mortgage banking right now? In this episode of Credit Union Conversations, host Mark Ritter sits down with John Giordano of First Heritage Mortgage Services to break down the real state of mortgage rates, housing inventory, and home affordability in 2026. With over 1,800 active pre-approvals on the books and portfolio loans gaining ground, John reveals why this moment is one of the greatest opportunities credit unions have seen in years and what it takes to seize it.What You Will Learn in This Episode: ✅ Why today's mortgage rates and tight sale margins are pushing credit unions toward portfolio loans as a smarter, more profitable lending strategy than traditional secondary market selling.✅ How the housing market has become deeply regionalized across nine distinct U.S. regions, and what that means for loan production and mortgage banking strategy at the local level.✅ What role mortgage technology and faster loan origination timelines are playing in helping credit unions compete with large national lenders like Rocket Mortgage and Wells Fargo.✅ Why housing supply shortages and builder deregulation discussions from Washington could reshape home affordability and home buying demand for credit union members in the years ahead.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 John shares his background at First Heritage and how its services are unique04:15 John's perspective on why today's mortgage banking environment is unlike any prior cycle09:24 How the U.S. housing market has split into nine distinct regional quadrants affecting home buying and loan production15:35 The strategic shift: why credit unions are choosing portfolio loans over secondary market sales to protect margins20:30 Record pre-approvals signal strong demand, but housing supply and new construction shortfalls remain critical barriers26:10 Millennials reversing course from urban living reveals new home affordability and real estate trends KEY TAKEAWAYS:

On Tuesday's edition of SaskAgToday with Ryan Young: The future of wheat & barley plant breeding in Western Canada is being formulated, and more.

Welcome to Bond Investment Mentor! In this episode, Chris explores callable agency bonds and examines what you're actually trading away when you buy these securities. He walks through how callable bonds work, the three main call structures you'll encounter, and the portfolio-level implications of giving up control to the issuer. You'll also learn which Bloomberg screens to use when analyzing callables and how to think strategically about whether these securities belong in your portfolio.  In this episode: Fed & Market Update (2:23) Proposed FHLB/FRB liquidity stress solution (9:02) Understanding callable agencies (11:40) Callable agency basics Types of call structures The yield/control trade-off Bloomberg screens for callable agency analysis The value of one-on-one mentoring (Learn More) (32:55) If you have questions about anything covered in this episode, please email me at Chris @ BondInvestmentMentor.com. Do you know someone who could benefit from this information? Please share this episode and podcast with them! You will find more articles, tips, and resources about fixed-income investing and portfolio management at BondInvestmentMentor.com. Check it out! Let's Connect via Social Media! LinkedIn: Christopher Nelson, CFA

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On Friday's edition of SaskAgToday with Ryan Young: Sask. politicians recognize CKRM's Centennial Year, and more.

Are you torn between the convenience of a fintech app and the personalized service of a credit union? In this episode of the Perfect Cents Podcast, host Alex Becerra is joined by Marcus Webb, Branch Manager at SAFE Credit Union's Granite Bay location. With over 24 combined years of experience, they break down the shifting financial landscape—from the rise of "niche" apps like Rocket Money and Chime to why having a face-to-face relationship still carries immense "intangible value" in a digital world. Topics include: Defining Fintech: Why younger consumers are drawn to specialized, one-dimensional digital tools. The "Data Point" Problem: The difference between being a member of a community and just another entry in an algorithm. The Credit Union Philosophy: How not-for-profit institutions prioritize the person over the profit. Life's Milestones: How a dedicated financial partner helps you navigate buying a first car, planning a wedding, or starting a family. About the Guest: Marcus Webb is a veteran in the banking industry with 12 years of experience. He currently serves as the Branch Manager for the SAFE Credit Union Granite Bay branch, focusing on community-based growth and member success. SAFE is federally insured by NCUA and is an equal housing opportunity lender. Community & Local Favorites: R-Vida Cantina To check out the resources highlighted in this episode visit the links below. To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To contact the podcast team, email Podcast@safecu.org

On Thursday's edition of SaskAgToday with Ryan Young: A little more seeding progress in Saskatchewan, and more.

Send us Fan MailHow could I not talk with the CUEvangelist who sees his calling as “Spreading the Good News About CUs!”My interest in the CUEvangelist was triggered by a provocative piece titled “Black history is credit union history” that was posted at CUInsight and then I saw the author, Mark Brantley, dubbed himself the CUEvangelist. Brantley has the chops to warrant that moniker.  He's Asst. Director of Operations at Arizona State University but - notably - he is  the former vice-chairman of the AACUC, former board member of CUNA, and former Chairman of the Municipal Credit Union.  Along that path he has formed strong opinions about what a credit union's mission should be and he talks about what he believes.All in, this is an upbeat podcast about credit unions and members who need them.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

In this episode of Not Just Buildings, host Foster introduces the podcast's new name, reflecting the idea that businesses are about more than just buildings they're about people. She also previews upcoming Chamber events, including networking sessions focused on marketing and AI, as well as a summer ballpark mixer. Foster then sits down with Jessica from Virginia Credit Union, formerly Member One Credit Union, to discuss the organization's recent merger. Jessica shares insights into the credit union's history, member-owned model, expanded branch network, and ongoing commitment to financial literacy through workplace initiatives and school partnerships.This podcast lives on Media Squatch+ Your home for local voices, live shows, and nonstop audio.Listen free: https://mediasquat.ch/plus

On Wednesday's edition of SaskAgToday with Ryan Young: Highlighting recipients of the Agriculture Student Scholarship, a chat with the latest winner of the 620 CKRM Country Cookout, and more.

A website launch is not the finish line. It is the starting point. In this episode, Meredith Olmstead and Rebecca Gwaltney break down the most common website maintenance mistakes credit unions and community banks make after launch, and how those small oversights can quietly impact performance, SEO, and conversions over time.Key Takeaways:1. Your homepage needs ongoing attention, not a set-it-and-forget-it approach. Homepage messaging can quickly become outdated if it is not refreshed regularly. Rotating promotions, updating visuals, and using smart content based on user behavior can significantly improve engagement and conversions2. Outdated content and broken paths hurt both SEO and user experience.  Stale product pages, expired promotions, and broken conversion paths can lead to lost leads and lower search rankings. Regular audits and simple testing processes help ensure your website continues to perform as intended.3. Technical maintenance directly impacts performance and visibility.  Page speed, accessibility, and SEO require ongoing monitoring. Large images, missing updates, and lack of backlinks can slow your site down and reduce discoverability, making consistent maintenance essential for long-term success.

On Tuesday's edition of SaskAgToday with Ryan Young: Sask. Ministry of Agriculture officially mark the start of seeding, and more.

Charles Huff LIVE in the Leaders Credit Union Studios with J&J on Monday 5-11-26 on his passion for Michael Jackson movie, comparing the Memphis Football product to a steak dinner, Qbs and "closing the gap" with the Football Program

2025 CU Times Luminaries finalist Bryce Mortensen, who took the helm at Oregonians CU earlier this year, takes us inside his journey of moving to a new CU, his first CEO role and a new state all at once.    Also, in honor of Mother's Day, Michael plays trivia with Natasha and Producer Zach centered on famous pop culture Moms. And to all Moms out there, Happy Mother's Day! 

Bantry CU CEO Finnbarr O'Shea tells PJ how a Greenify can slash your energy bills Hosted on Acast. See acast.com/privacy for more information.

On Monday's edition of SaskAgToday with Ryan Young: Flooding, foreign ownership of Saskatchewan farmland, and more.

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Kris Kovac sits down with Austin Carroll, founder and CEO of Warrant, to discuss how AI is transforming marketing compliance for banks, credit unions, and fintechs. Austin shares her journey from leading marketing at companies like Brex, Mercury, and Capital One to building Warrant — a platform designed to help financial institutions streamline approvals, reduce regulatory risk, and move at startup speed without sacrificing compliance. Follow the Pod:https://twitter.com/fintechcombineFollow Kris Kovacs:https://twitter.com/ManagementByteshttps://www.linkedin.com/in/kriskovacs/https://www.instagram.com/kriskovacs/The Fintech Combine is Produced and Edited by Anson Beckler-JonesFollow Anson Beckler-JonesInstagram - @ansonandcoYoutube - @ansonandco

In this episode, Patty Corkery sits down with Julie Leonard, President and CEO of Lake Michigan Credit Union, to talk about leadership, authenticity and purpose.

What happens when a career built on trust… ends in a federal conviction?In this episode of Nightmare Success In and Out, Brent sits down with Kelly Givens, a former credit union executive whose life changed overnight when accounting mistakes and a federal investigation led to a prison sentence.Kelly shares her raw and honest journey—from rising through the ranks to becoming president of a credit union… to facing the FBI, navigating the justice system, and ultimately serving time in federal prison.But this isn't just a story about the fall.It's about survival, accountability, and rebuilding a life after everything changes. Today, Kelly is using her platform @convicted.andclimbing to help others facing prison, reentry, and the stigma of a conviction.This episode dives deep into:What really happens during a federal investigationThe emotional toll of waiting for sentencingThe reality of women's federal prisonThe hidden struggles of reentryWhy telling your story can be the key to freedomIf you've ever wondered what it's like to lose everything—and rebuild—it starts here.Show sponsors: Navigating the challenges of white-collar crime? The White-Collar Support Group at Prisonist.org offers guidance, resources, and a community for those affected at prisonist.org. Protect your online reputation with Discoverability! Use code NIGHTMARE SUCCESS for an exclusive discount Visit Discoverability.co. Auto Plaza Direct "Your personal car concierge!" Let them handle every detail to find your perfect car autoplazadirect.com. Author Saffron Gustafson, "My Name is Saffron." Author Nevin Shetty, "Second Chance Economics: How Hiring The Formerly Incarcerated Can Unlock $1 Trillion in GDP." www.secondchanceeconomics.com

David Frazier, President & CEO, Texans Credit Union : Where Handshakes Still Matter: The Return of Personal Banking full 683 Thu, 07 May 2026 22:34:56 +0000 RVvQIEIG1oqveysgaFimV1RlHzVNsHGT business CEO Spotlight business David Frazier, President & CEO, Texans Credit Union : Where Handshakes Still Matter: The Return of Personal Banking David Johnson CEO Spotlight 2024 © 2021 Audacy, Inc. Business False

Final settlement sounds great until you're the one holding the fraud and compliance risk. That tension sits at the heart of my conversation with Pete Glyman, Founder and CEO of Coinbax, where we explore what it will actually take for stablecoin payments to work for banks, credit unions, and serious fintech programs.Pete shares his path from building and selling a fintech platform to leading digital asset strategy work, and why the regulatory climate and the rise of blockchain, tokenization, and stablecoins pushed him back into founder mode. We get concrete about the real blockers to adoption: not speed, but controls. We unpack how smart contracts can support payment workflows people already trust, including escrow, lockup periods, delays, and even reversibility, while layering in fraud mitigation, OFAC screening, and multi-party account verification. The goal is simple: make on-chain payments feel safe, compliant, and operationally usable inside existing bank compliance systems.We also look forward. Pete explains why cross-border payments are an obvious early win, why domestic “wire-like” payments could be rebuilt with programmability, and why agentic payments could create an entirely new machine-to-machine economy. We close with a direct challenge to payments leaders: stop waiting, start tinkering, and learn the rails firsthand.

Send us Fan MailWouldn't you like to make more - and more profitable - auto loans? Just about every credit union would say a loud yes and that is why this episode is a must listen.  On the show is Zach Eychaner, the VP of Digital Experience at ELGA Credit Union, a $1.5 billion institution based in Michigan.  Also on the show is Mitch Rutledge, CEO of Vertice AI, a Georgia based company that says it provides actionable and measurable account holder intelligence to help credit unions  offer their members the right products, solutions and services at the right time.How to do exactly that? Rutledge tells how on the show and Eychaner gives the verdict about whether it's working at ELGA.  Every credit union wants to know how to make more targeted loan offers and, explains Rutledge, the answers are in the data - the institution's data that it already has if it learns to mine it properly.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

In this episode of C.U. on the Show, Doug English speaks with Dan Prezioso of Olden Lane about trends influencing the credit union industry. Their conversation exploresdemographic changes, evolving technology expectations, and increased competition from digital financial platforms. The discussion is intended to provide general industry insights and considerations for how credit unions may evaluate member engagement strategies over time.Watch the video version of this episode: https://youtu.be/fdztsewIpuYRead the episode summary here: How Credit Unions Are Navigating Changing Member Expectations | ACT AdvisorsEmail doug@act-advisors.com with any inquiries.The guests on today's show are not affiliated with or endorsed by ACT Advisors, LLC and their opinions are their own. ACT Advisors did not provide cash or non-cash compensation for their participation. ACT Advisors, LLC is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. This content is provided for informational purposes only and is not investment, legal, or tax advice.

It's the money roadmap you need now to help you build long-term financial security. We're sharing five money moves you can make today, what you need to know before switching career paths, and the one student loan deadline that you can't afford to miss.  For more information, show notes and transcripts visit https://www.ada.org/podcast Featured Guests:   Joseph McGrath  Dani Buschick  Dr. Michael Jerkins  Show Notes  In this episode, we explore practical ways to take control of your finances and plan for long-term financial security. We're talking about student loans, what to know when switching careers, and the five money moves you can make right now.   To help explain what everyone needs to know about student loans, we asked our friend Joseph McGrath from KeyBank to walk us through new details, dates, and updates.  Mr. McGrath shares that big student loan changes are coming, and that July 1, 2026, is the key date to know. He explains that some programs are being phased out, and that federal repayment options may narrow significantly.  Big changes are underway for income-driven repayment as well, impacting both dentists and residents. With new federal loan caps and fewer repayment options, Mr. McGrath underscores the importance of borrowers understanding their loan structure, exploring available options, and seeking professional guidance to navigate the changes.  Dani Buschick, financial wellness coach, and host of the podcast Life. Money. You. joins us to break down the five numbers every dentist should know to take control of their financial well-being.   Ms. Buschick offers actionable tips and an easy-to-follow framework for creating spending plans, automating savings, and building lasting financial stability.  Small actions can create big impact. Ms. Buschick emphasizes the importance of understanding your debt, building an emergency fund, protecting your credit, automating savings, and using available resources available, like free financial coaching, to create sustainable habits and personalized financial plans.  Our next guest, Dr. Michael Jerkins, joins us to talk about how to navigate career transitions. Dr. Jerkins is the President and Co-founder of Panacea Financial and is also a practicing physician in Little Rock, AR.  Dr. Jerkins explores the transition between employee and practice owner roles and highlights the financial and personal considerations involved in these career shifts.  To prepare for these career transitions, Dr. Jerkins emphasizes the importance of building a trusted advisory team, assessing your financial readiness, and developing a clear plan.     Resources  Read an ADA News story about how the One Big Beautiful Bill impacts student loans. Learn more about ADA Member Advantage partner KeyBank. ADA Credit Union is tailored for ADA member dentists, their teams and everyone's extended families — offering exclusive financial products and personalized coaching that support your goals through every life stage. Visit ADACU.org to learn more. Banking Built for Dentists. Not Shareholders. At ADA Credit Union, your money works for you—because you own it. If you're part of the dental profession, your financial institution should be too. Join ADA Credit Union. Member‑owned. Dentist‑focused. Built for your future. At the Credit Union, financial well-being comes first. Life. Money. You.® (LMY) is ADA Credit Union's holistic financial well-being program, designed to help you achieve financial success through digital tools, one-on-one coaching, and practical resources. Check out the latest episode of the Life. Money. You. Podcast. Read more about Panacea Financial and the savings for ADA members. Keep learning! Watch another episode on smart finances for dentists. Not an ADA member yet? Join the ADA to get access to these resources and more. Visit ADA.org/join to get started. Connect with us through ADA on social media! Follow us on Facebook, Instagram, LinkedIn, and TikTok. Disclosures  This podcast is produced for information purposes only and is not an offer or solicitation of any product. KeyBank and its affiliates are not providing any financial, economic, legal, accounting or tax advice or recommendations in this podcast. The information contained in this recording may not be current, and KeyBank has no obligation to provide any updates or changes. Neither KeyBank nor any of its affiliates makes any representation or warranty, of any kind, as to the accuracy or completeness of the information in this podcast and expressly disclaims any and all liabilities around such. Key.com/ADA  IMPORTANT INFORMATION: Please note that if you refinance qualifying federal student loans, you will no longer be eligible for certain federal benefits or programs and waive your right to future benefits or programs offered on those loans, which may include, but are not limited to, Public Service Loan Forgiveness, Income-Driven Repayment plans, forbearance, or certain forgiveness options granted to Parent Plus borrowers. Please carefully consider your options when refinancing federal student loans and consult http://www.studentaid.gov for the most current information. 

What does it take to build a thriving credit union business lending program in today's market? Mark Ritter sits down with Joe Hyatt of DFTC to unpack decades of experience in commercial lending, loan underwriting, and portfolio diversity. From navigating NCUA compliance to chasing treasury management goals, they share candid insights on what credit unions are doing right and where they still fall short. If you work in business lending, this conversation will hit close to home.What You Will Learn in This Episode: ✅ How credit union business lending has shifted from a rigid, prescriptive regulatory framework to a more flexible, opportunity-driven environment, and what that means for your program today.✅ Why strong credit administration, consistent independent loan review, and thorough annual reviews are the foundation of surviving and succeeding in an NCUA compliance examination.✅ How portfolio diversity, including a move toward C and I lending, small business lending, and treasury management, is reshaping how credit unions approach growth and member relationships.✅ Why credit union technology and emerging AI tools are no longer optional, and how embracing innovation will determine which programs lead and which get left behind.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Joe Hyatt details DFTC's loan underwriting, training, and independent loan review services built for credit unions nationwide04:25 Reflecting on the early days of member business lending and the evolution of talent, tools, and portfolio limits 08:39 Joe outlines keys to NCUA compliance: strong policies, solid credit administration, and proactive loan workout planning12:50 Exploring portfolio diversification, treasury management, and why small-business lending competes with larger commercial real estate deals18:45 Some of the big differences for better or worse today versus the old days21:48 Joe's closing thoughts on portfolio diversity, AI adoption, and why credit union technology will separate tomorrow's leaders from the restKEY TAKEAWAYS:

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In today's episode, we look at the prevalence of various programs to qualify more borrowers for homes. Plus, Movement Mortgage's Lyra Waggoner interviews Rob and Robbie on a listener mailbag list of topics. And we close by examining the macro economic narrative after a large slate of data.Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.Thank you to Figure. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. 

In today's episode, we look at the size of the all-cash buyer segment. Plus, Robbie sits down with CI&T's Tim Von Kaenel for a discussion on building, integrating, and optimizing technology to drive differentiation, modernize operations, and navigate an increasingly complex and fast-evolving digital landscape. And we close by examining dissent brewing within the Federal Reserve.Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.Thank you to Figure. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. 

Welcome to Bond Investment Mentor! In this episode, Chris discusses the importance of establishing a solid investment pre-purchase due diligence process. He shares a four-question framework to help build a system that works both before and after the investment purchase. In this episode: Fed & Market Update (2:08) Visa Class B repurchase offer (Visa announcement) (13:01) Your Pre-Purchase Due Diligence Process (18:08) Free download:  Pre-Purchase Due Diligence Checklists (32:55) If you have questions about anything covered in this episode, please email me at Chris @ BondInvestmentMentor.com. Do you know someone who could benefit from this information? Please share this episode and podcast with them! You will find more articles, tips, and resources about fixed-income investing and portfolio management at BondInvestmentMentor.com. Check it out! Let's Connect via Social Media! LinkedIn: Christopher Nelson, CFA

In today's episode, we look at what is being discussed at April conferences. Plus, Robbie sits down with with Halo Programs Kirk King for a discussion on the ways originators are utilizing technology to automate daily marketing tasks to generate low-cost, high-yield leads and optimize current client relationships. And we close by examining the Fed's policy calculus.Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.Thank you to Figure. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. 

Send us Fan MailAmanda Wick is a name to know when talking about things crypto.  A onetime US government prosecutor, Wick specialized in crypto currencies and money laundering.  Later she went on to found the Association for Women In Cryptocurrency and now she is a principal in Incite where she provides expert advice on crypto related matters.  Wick's current focus: stablecoin.  In the show Wick talks about the risks posed by stablecoins to credit unions and also the potential benefits.  Should credit unions get involved in stablecoin?  Wick's answer is yes but with eyes wide open.  Note: this is not a show exclusively for gearheads.  Language throughout is non technical.Along the way, Wick talks about her book The Catalysts: The Accelerating Forces Forging the New World Financial Order.  Read the title again.  She is talking about what she sees as the inevitability of a new global financial order that indeed changes just about everything.In the show she refers several times to Napster which provided peer-to-peer file sharing and that may sound innocuous but the reality is that Napster revolutionized how music is distributed and shared.  It shut down a quarter-century ago but its impacts only grew until today recorded music is a digital phenomenon. Think how that has impacted record companies, bands, and an entire huge industry.Similar is happening today in finance, says Wick, and you ain't seen nothing yet.  Bigger changes are ahead.  Are you ready?Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

In today's episode, we look at the latest merger in the mortgage industry. Plus, Robbie sits down with Seroka's John Seroka for a discussion on how brands are discovered by prioritizing credible, structured, and widely validated information over traditional SEO, making it critical for companies to build consistent digital authority and trust signals. And we close by examining how mortgage-backed securities (MBS) have been stacking up as an investment vehicle over the past couple of weeks.Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.Thank you to Figure. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. 

In today's episode, we look at the calculus going through building contractors minds. Plus, Robbie sits down with WSFS Bank's Jeffrey Ruben for a discussion on how homeowners can strategically tap their equity while navigating today's rate environment, avoiding common renovation financing pitfalls, and understanding why many are calling this the “golden age” of HELOCs. And we close by examining the ways in which rates are impacting borrower psychology as we enter the traditionally robust spring home buying season.Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.Thank you to Figure. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. 

We share how Workers Credit Union rebuilds trust and profitability by running like a startup while tightening governance and bringing employees into the work. We break down how culture, AI policy, and disciplined asset liability management turn bold ideas into real execution for members. • adopting a startup operating style to move fast and fix fast • building a hybrid leadership culture with deep employee tenure • creating structured innovation with cross-functional ownership • improving profitability through balance sheet focus and ROE levers • setting board-approved AI governance and running intentional pilots • using AI to boost productivity and member service rather than cut jobs • strengthening HR as a culture and performance partner with employee NPS • WorkersPalooza as a full-day all-hands investment in culture • replacing ITMs with human service to differentiate the branch experience • upgrading tech stack with cloud phones plus mortgage and commercial LOS • expanding secondary market strategy through originate-to-sell and flow deals • grounding innovation in core ALM concepts like cost of funds and NIM Shoot me an email. Please, please reach out to me. 

If you've ever looked at your bank statement and wondered where all those fees came from or asked yourself if your money could be working a little harder, you're not alone. Today, we're talking about an option that a lot of people overlook: credit unions.  Links: Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  Credit unions might not have the flashy ads or giant skyscrapers of big banks, but they offer some serious advantages. Let's break down what makes credit unions different and why banking at one could be a smart move for your financial future.  First things first: credit unions are member-owned, not-for-profit financial institutions. That sounds technical, but here's what it means: when you join a credit union, you're not just a customer; you're an owner.  Unlike traditional banks, which exist to generate profits for shareholders, credit unions reinvest their earnings back into the institution. That often shows up in the form of lower fees, better interest rates, and improved services for members rather than profits going to investors.   This member-first structure shapes everything from customer service to lending decisions. Credit unions tend to take a more personal, relationship-based approach instead of treating members like account numbers.  One of the biggest reasons people switch to credit unions is simple, they have better rates. According to data from the National Credit Union Administration, credit unions consistently offer lower interest rates on loans, including auto loans, credit cards, and mortgages, while often paying higher dividends on savings accounts compared to banks.   For example, average interest rates on auto loans and credit cards are often significantly lower at credit unions. Over the life of a loan, that difference can save you hundreds or even thousands of dollars. Higher savings rates help your money grow faster, even if the difference seems small at first.  Where a lot of people feel burned by big banks is with fees. Monthly maintenance fees, overdraft fees, minimum balance requirements, and more, add up quickly. Credit unions generally charge fewer and lower fees because they're not driven by profit goals. Many credit unions offer free checking accounts, lower overdraft penalties, and more flexible balance requirements than traditional banks. That means more of your money stays where it belongs: in your pocket.  Customer service isn't just a buzzword for credit unions. Year after year, credit unions rank at the top for customer satisfaction. The American Customer Satisfaction Index regularly reports that credit unions outperform banks in overall satisfaction, including areas like courtesy of staff, trust, and transparency. That lines up with what many members experience, such as shorter wait times, local decision-making, and a genuine interest in helping members succeed financially.  Credit unions are deeply rooted in the communities they serve. Instead of funneling profits out of town or out of state, they often reinvest locally through small business loans, community programs, and financial education initiatives. By banking at a credit union, you're not just improving your own financial situation, you're helping support your local economy.  One common myth is that credit unions are less safe than banks. That's simply not true. Federally insured credit unions protect member deposits up to $250,000 per account, just like banks do, only through the National Credit Union Administration instead of the FDIC. The bottom line is your money is just as secure.  So, are credit unions perfect for everyone? For people who value better rates, fewer fees, stronger service, and community impact, credit unions are absolutely worth considering. Banking doesn't have to feel impersonal or expensive. Sometimes the best financial choice isn't the biggest name, it's the one that puts people first.  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.           Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - security risks keep morphing via phone and/or account takeover attempts. Clark covers a specific threat targeting iPhone users and the simple fix, plus - the next generation of online security – Passkeys. Clark Stinks: Segments 1 & 2 Prevent Hackers: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Buy Now, Pay Later: A Helpful Tool or a Debt Trap? - Clark Howard Roth IRA Withdrawal Rules What Is a Credit Union? - Clark Howard Why Clark Howard Thinks You Need a Digital Passport Best Free Password Managers: 10 Top Picks - Clark Howard New Ways to Keep Your Online Accounts Safe Military and Veterans Guide: Free Resources for Your Finances Charitable Contributions Deduction: What It Is and How It Works Understanding Donor-Advised Funds: Pros and Cons Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices