Podcasts about credit unions

Most people have a checking account with a traditional bank, while a majority of those also have savings accounts. But what about credit unions? Should some people use those rather than traditional banks? What are the benefits? To answer those questions, in this episode of the podcast I talk with Grant Gallagher of Affinity Federal Credit Union about the benefits of credit unions and why you should consider putting your money there. In this episode you will learn: - What credit unions offer that you can't find at other banks - Some of the unique financial and community offerings credit unions can provide - Financial tools and resources credit unions create that address the real needs of their communities - The role education plays in a credit union's approach to financial wellbeing

"We're looking for ways to make an impact for credit unions of all sizes.” - Nick BrownThank 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 Nick Brown, Senior Trainer & President/CEO at SalesCU, which has the honorable distinction of being named the Top Sales Training Company for two years in a row! Nick joins me to share his journey into the credit union industry and how he found his passion for sales and coaching, explaining how SalesCU helps credit unions move from a reactive, order-taking service approach to a proactive sales culture that adds real value for members.In our conversation, Nick covers the four essential elements SalesCU focuses on to build an effective sales culture and highlights the importance of leaders becoming effective coaches who observe, plan, develop, and hold their teams accountable in a positive way. He also shares his vision for the future, focusing on making SalesCU's programs accessible to credit unions of all sizes to help them deliver the value their members deserve.Nick reflects on his own life-saving experience at a Children's Miracle Network hospital as a child, sharing how SalesCU is donating a portion of its earnings to support Credit Unions for Kids.As we wrap up the episode, Nick reveals what about his childhood soccer coach inspired him, what cities he would most like to visit, and what book he believes everyone should read. Enjoy my conversation with Nick Brown!Find the full show notes on cuinsight.com.Connect with Nick:Nick Brown, Senior Trainer & President/C.E.O. at SalesCUsalescu.com Nick: LinkedInSalesCU: LinkedInBook mentioned: The Gap and the Gain by Dan Sullivan & Dr. Benjamin Hardy

This episode, Patty Corkery chats with Dylan Bloniarz, AVP, Director of Marketing at Embers Credit Union. A lifelong credit union professional, Dylan shares his journey through the movement and how he's helping Embers stand out with bold, creative marketing that speaks to Gen Z and stays true to the credit union mission.

Joining Ivan for the Friday Forum today was Robert Troy TD, Minister of State at the Department of Finance with special responsibility for Financial Services, Credit Unions and Insurance, Fianna Fáil, Longford-Westmeath. Gary Gannon TD, Spokesperson for Justice, Home Affairs and Migration, Social Democrats, Dublin Central. Also on the panel was Jane Matthews, Political Correspondent, at the Journal.

Send us a textSuddenly youth banking is back in the conversation and that's because this time there is real optimism that it's a product that's emerging at the right time.  Case in point of the optimism is a recent Finovate article headlined “Why Youth Banking Is Set to Surge In 2025.”  Better news is that this market isn't solely for the big banks and fintechs.  Now on the scene is Incent with its youth digital banking tools and it's launched a CUSO that right now has one member owner, Idaho based Pioneer Federal Credit Union, a $700 million institution.Many credit unions already are signed up to be customers of Incent.On the show to tell about why now is the time for youth banking and the product is Incent are Marcel King, president of Incent, and Tracey Miller, EVP at Pioneer.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

Could your home's equity be the secret weapon in your financial toolkit? Host Jack Russo and Joe Cucchiara unpack the power of Home Equity Lines of Credit (HELOCs) and why they're surging in popularity. With flexible borrowing, prime-minus rates, and credit-card-style access, HELOCs are reshaping financial strategies. They explore how rising interest rates, economic uncertainty, and shifting spending habits are impacting real estate, lending, and vehicle leasing. From leveraging HELOCs for investments to consolidating debt and keeping cash flowing, the conversation delivers sharp insight into modern financial tools. Plus, a look at AI's potential impact on jobs and the broader economy. Don't miss this fast-paced dive into smart money moves!   https://www.shortlysts.com/ Jack Russo Managing Partner Jrusso@computerlaw.com www.computerlaw.com https://www.linkedin.com/in/jackrusso "Every Entrepreneur Imagines a Better World"®️  

Dr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.In this episode, she is joined by Jeff Chisum, a seasoned Loan Officer who is dedicated to helping families build their financial legacy through real estate. The conversation explores topics such as the common mistakes and misconceptions clients make when purchasing a property.Key Takeaways:Opportunities and interest rates are both temporary.Education is essential to create opportunities.Credit Unions offer lower rates.Timestamps:  00:01:10 why she's talking about short-term rentals 00:02:44 what “passive income” really looks like 00:04:00 the difference between emotional and strategic investing 00:05:35 red flags when evaluating real estate deals 00:07:20 what she learned from coaching clients with regrets 00:09:55 the importance of asking “what problem is this solving?” 00:12:30 the pressure to copy others' money moves 00:14:05 what people misunderstand about wealth and freedom 00:16:22 why buying real estate isn't always smart 00:18:10 how to check your motives and long-term vision 00:21:40 tools and questions to assess financial decisionsConnect with Jeff Chisum:

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Episode Summary:In this episode of With Flying Colors, host Mark Treichel sits down with Thomas Griswold, Managing Director at ALM First, to explore the financial forces shaping credit unions in 2025 and beyond. From balance sheet risk to liquidity pressures and loan participation strategies, Thomas shares insights into how ALM First helps credit unions navigate a dynamic economic environment with capital discipline at the center.They also dive into recent industry trends, including:The slowdown in consumer loan growthRebalancing liquidity post-rate hikesStrategic use of CDs, borrowings, and non-member fundingPricing risk wisely (and knowing when not to chase volume)Mergers of equals and the evolving landscape of consolidationNew developments in ALM First's services—including on-demand liquidity tools and talent retention strategiesWhether you're a CEO, CFO, or board member, this episode is packed with practical takeaways on managing risk and optimizing performance in uncertain times.

In Episode 203 of the Transition Drill Podcast, what would you do if the career you built by age 30 ended overnight? For Ken Bator, a corporate firing became the start of something far greater than a title or paycheck. Raised in a working-class Chicago suburb by a teacher and a railroad employee, Ken learned early the value of hard work, humility, and discipline. But like many, his first career steps in finance collided with a recession. He briefly considered firefighting, passed the physical tests, but ultimately realized he was not built to take orders without question. That realization would become the foundation for his entrepreneurial career.In this episode, Ken opens up about the personal and professional journey that led him to launch his own consulting firm and co-found the Police Officers Credit Union Association. He shares the early lessons from growing up in Catholic school, the pivotal moment he faced a fear of heights, and how being fired became his greatest professional catalyst.Ken also reveals how podcasting became a platform to serve, not just promote. He breaks down his “Soundness Initiative,” a framework built around physical, emotional, professional, and financial well-being that speaks directly to the challenges faced by military veterans and first responders.This is a story about starting over with purpose, turning failure into fuel, and using your voice to make an impact.Don't miss an episode. Follow the Transition Drill Podcast and share with someone who needs to hear it.The best podcast for military veterans, police officers, firefighters, and first responders preparing for veteran transition and life after service. Helping you plan and implement strategies to prepare for your transition into civilian life.Follow the show and share it with another veteran or first responder who would enjoy this.CONNECT WITH THE PODCAST:Instagram: WEBSITE:LinkedIn: SIGN-UP FOR THE NEWSLETTER:QUESTIONS OR COMMENTS:SPONSORS:Brothers & Arms USAGet 20% off your purchaseLink: https://brothersandarms.comPromo Code: Transition20Trident CoffeeGet 15% off your purchaseLink: https://tridentcoffee.comPromo Code: TDP15GRND CollectiveGet 15% off your purchaseLink: https://thegrndcollective.com/Promo Code: TRANSITION15

In this episode of The Fintech Combine, Kris Kovac sits down with Kevin Martin, Head of Strategy at SchoolsFirst Federal Credit Union—the third-largest credit union in the U.S.—to unpack how focused strategy, disciplined planning, and a commitment to member experience have fueled massive growth. From turning away thousands of ineligible applicants to embracing AI and innovation portfolios, Kevin shares how SchoolsFirst stays aligned, agile, and ahead of the curve.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

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.In today's episode, we look at the the latest salvo between Fed Chair Jerome Powell and President Donald Trump. Plus, Robbie sits down with Optimal Blue's Jeff McCarty to discuss the growing importance of integrated, data-driven tools in secondary marketing to improve pricing precision, risk management, and efficiency, particularly as market volatility, product diversity, and AI adoption reshape the hedging and trading landscape. And we look at what was a surprisingly strong June payrolls report that will certainly keep the Fed from cutting rates on hold until September.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. Lenders, give your borrowers an experience they will rave about. Learn more at figure.com.

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.In today's episode, we look at the burgeoning appraisal scandal out of Baltimore. Plus, Robbie sits down with Halcyon's Kirk Donaldson to discuss the question, “Why is it so expensive to originate a mortgage?” as well as an exploration of how automation, compensation models, regulatory burdens, and tech interoperability could reshape costs and lead to a more efficient future. And we look at the clap-back from Fed Chair Powell to President Donald Trump.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. Lenders, give your borrowers an experience they will rave about. Learn more at figure.com.

Glen speaks with the CU De Novo Collective's Denise Wymore about the grassroots groundswell of interest in starting new credit unions, overcoming the challenges of progressing from concept to market, and why a voice for CU creation is needed to counter a one-way trend. Also- Fiserv's stablecoin play, The FTA's attempt to preserve open banking, and how AI regulation became a budget issue.                Links related to this episode:   The CU De Novo Collective: https://www.cudenovocollective.org/    The University of North Carolina's student-led credit union initiative: https://www.dailytarheel.com/article/2025/06/university-student-credit-union  George Washington University's initiative: https://gwucui.com/  America's Credit Union Museum: https://www.acumuseum.org/ (check the Herstory exhibit) Finovate's take on Fiserv launching a “bank-friendly stablecoin”: https://finovate.com/fiserv-launches-stablecoin-for-banks/  The Bank Policy Institute/Fintech Association Open Banking standoff: https://thecudaily.com/fintechs-tell-court-banks-want-to-thwart-open-banking-to-stop-competition/    Join us for our next CU Town Hall- Wednesday July 9 at 3pm ET/Noon PT- for a live and lively interactive conversation tackling the major issues facing credit unions today. For this session we'll be focusing on youth banking and how CUs can appeal to the next generation of members. The CU Town Hall is free to attend, but advance registration is required:  https://www.cutownhall.com/   Join us on Bluesky!  @bigfintech.bsky.social;  @154advisors.bsky.social (Glen); @jbfintech.bsky.social (John) And connect on LinkedIn for insights like the Friday Fintech Five: https://www.linkedin.com/company/best-innovation-group/  https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/

Send us a textTalking about credit/debit card disputes and chargebacks.Probably you don't want to.  For good reason.  One estimate is that there were $62.5 billion in chargebacks in 2023.And at most credit unions every chargeback or dispute involves a lot of staff time.  It's an expensive matter and it is often profoundly irritating to members - at least some of whom decide to change FIs as a result.More worrisome is that increasing numbers of Americans file disputes, often just as a way to get an easy $50 or $100 back in their own pocket.  Lots of disputed charges are simply fraudulent.Enter Casap, which automates the dispute process and in the process resolves cases much faster and at dramatically lower costs.  Casap CEO and co-founder Shanthi Shanmugam is on the show to talk about the 21st century way to handle disputes.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

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.In today's episode, we look at why markets remain cautious due to the looming prospect of increased U.S. debt issuance tied to growing budget deficits. Plus, Robbie sits down with Bank United's Chris Huang to discuss trends that capital providers are seeing in mortgage originators and what to look for in bank partners or warehouse line counterparties. And we look at the substantial pressure being heaped on Fed Chair Powell.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. Lenders, give your borrowers an experience they will rave about. Learn more at figure.com.

In this new episode of the FI GROW podcast, Meredith Olmstead and Ida Burr break down what's changing in digital ads for credit unions and community banks; from seasonality shifts to personal loan trends and the real numbers you need to hit for optimized conversions. Tune in for practical strategies to spend smarter and stay competitive.Key Takeaways:Seasonality is Out the Window: Consumer behavior has shifted, follow the data, not the old calendar.Conversions Drive Optimization: No matter your budget, you need 10–20 conversions per campaign to feed the algorithms.Use All the Tools: Layer PPC, OTT/CTV, and native ads for more touchpoints; they work together to lower overall costs.

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.In today's episode, we look at the vacuum from the shrinking of the CFPB and how state regulators have stepped into the void. Plus, Robbie sits down with Figure's Michael Tannenbaum to discuss stable coins, the latest happenings at Figure, and product proliferation in the mortgage industry as a result of borrower and investor demand. And we look at this week's packed economic calendar into a condensed week.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. Lenders, give your borrowers an experience they will rave about. Learn more at figure.com.

“Be nimble and fearless when it comes to failure. Do it fast and move on.” – Chris FeltonThank 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 Chris Felton, President and CEO of Corporate Central Credit Union. Chris joins me to discuss the challenges and opportunities facing the credit union industry. He reflects on his own journey into the credit union space, starting out with ambitions of a high-stakes finance career before discovering his passion for the credit union movement and its focus on serving members.In our conversation, Chris highlights how credit unions can take advantage of emerging technologies to improve member satisfaction, and he discusses Corporate Central's own technology platform, Bistro, which was built to allow for seamless integration with fintech partners. We explore the importance of credit unions embracing a "technology-first" mindset and the need for credit unions to form strategic partnerships with fintechs to deliver the frictionless experiences that members have come to expect.As we wrap up the episode, Chris talks about his love of the 1965 Ford Mustang and how he could definitely live in Colorado Springs. He also recommends the book “Kill the Company” by Lisa Bodell. Enjoy my conversation with Chris Felton!Find the full show notes on cuinsight.com.Connect with Chris:Chris Felton, President and C.E.O. of Corporate Central Credit Unioncorpcu.comChris: LinkedInCorporate Central Credit Union: LinkedIn | Facebook | YouTube | XBook mentioned: Kill the Company by Lisa BodellShort story mentioned: “Attitude Is Everything” by Francie Baltazar-Schwartz

Bancography President Steve Reider takes us behind the scenes of his branch strategy consulting business and shares best practices for building a network that supports growth. And it's Mad Libs time again! Did Michael learn his lesson and keep it under twenty minutes or did he follow his heart and create a timeless epic? Listen to find out!

Excited to share our latest episode of the One Vision podcast, featuring Sherry Wu, CTO of the University of Michigan Credit Union!

Send us a textRisk.For years I have said that to a credit union senior executive the foulest four letter word is risk.It's a risk averse industry and that's a paradox because a credit union makes money by taking risks.Then too we are now in a universe of unprecedented risk: there are wars, threats of a recession, threats of uncontrolled inflation, and of course there now is so much competition - neo banks, non banks and more.Risk is everywhere.Enter Ed Vincent CEO of SRA Watchtower, a Virginia headquartered company with a toolkit that is designed to automate risk management for credit unions.  “SRA Watchtower is committed to helping financial institutions unlock the power of data, which we believe is the currency of the future,” said Vincent. You know you are in a sea of risks.  Know that SRA Watchtower knows that and that is why it has tools to help credit unions manage in today's environment.  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, host Doug English welcomes back Heather McKissick of CUES to explore how credit union leaders can effectively lead during volatile, uncertain, chaotic, and ambiguous (VUCA) times. Drawing on her expertise and recent publication, “Leadership in Polarized Times,” Heather outlines four essential tools for staying grounded and creating resilient organizations—even when external conditions are anything but stable. Check out the ACT Advisors Blog for a written summary of this episode!Want to learn more about Doug English and ACT Advisors? Visit Home - ACT Advisors®Email doug@act-advisors.com if you have an idea for a future guest or topic.

Glen chats with the Atlanta Fed's Claire Greene about the latest Diary and Survey of Consumer Payment Choice and the messy realities of dealing with real world data. Also- next steps in the stablecoin saga and…Fintech's answer to GameStop?            Links related to this episode:   The Atlanta Fed's Survey and Diary of Consumer Payment Choice: https://www.atlantafed.org/banking-and-payments/consumer-payments/survey-and-diary-of-consumer-payment-choice/2024-survey-and-diary The Fed's 2024 SHED Survey: www.federalreserve.gov/publications/files/2024-report-economic-well-being-us-households-202505.pdf  The FDIC's 2023 Survey of Un/Underbanked Households: https://www.fdic.gov/household-survey/2023-fdic-national-survey-unbanked-and-underbanked-households-report Our recent episode on consumer data gathered by the Georgia Fintech Academy: https://www.big-fintech.com/are-younger-generations-branching-out/ Glen's Genius Act/Stablecoin blog: https://www.big-fintech.com/a-stroke-of-genius-regulation-comes-full-circle/ Arnold Porter's take on the Genius and Stable Acts: https://www.arnoldporter.com/en/perspectives/advisories/2025/06/incoming-stablecoin-legislation-stable-and-genius-acts JPMorgan Chase's close stablecoin cousin, the tokenized deposit: https://www.bankingdive.com/news/jpmorgan-chase-to-launch-deposit-token/751083/ The Atlanta Fed's newblog analyzing potential impacts of retiring the penny: www.atlantafed.org/blogs/macroblog/2025/06/23/penny-dilemma Join us for our next CU Town Hall- Wednesday July 9 at 3pm ET/Noon PT- for a live and lively interactive conversation tackling the major issues facing credit unions today. For this session we'll be focusing on youth banking and the need to appeal to the next generation. The CU Town Hall is free to attend, but advance registration is required:  https://www.cutownhall.com/   Join us on Bluesky!  @bigfintech.bsky.social;  @154advisors.bsky.social (Glen); @jbfintech.bsky.social (John) And connect on LinkedIn for insights like the Friday Fintech Five: https://www.linkedin.com/company/best-innovation-group/  https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/

Excited to share our latest episode of the One Vision podcast, featuring Sherry Wu, CTO of the University of Michigan Credit Union!

Get to know recently-appointed NuMark CU CEO and Chicago native Michelle Balog, whose legal background is sure to come in handy as regulatory uncertainty persists. Also, because they're total pros, Michael, Natasha, and Producer Zach discuss AI without mentioning Skynet or Arnold Schwarzenegger once.

“I can give you the blueprint, but you've got to own your own development” - Ty MuseWelcome to episode 212 of The CUInsight Experience podcast with your hosts, Randy Smith, co-founder of CUInsight, and Jill Nowacki, President and CEO of Humanidei.This episode is sponsored by The Sheeter Group - a leading executive benefits firm that meets your retention and succession needs. This includes non-qualified benefit plans, short and long-term incentive plans, compensation studies, scorecard design, performance evaluation, and more. Learn more at sheetergroup.com.In this season, Jill and I will have conversations centered around leadership, credit unions, and living our best lives. We will have some of the most respected leaders from around credit unions who we are grateful to call friends join us in the discussion from time to time too.In this episode, we are joined by repeat guest Ty Muse, President & CEO at Visions Federal Credit Union who joins us for an insightful conversation about building legacy in real-time. As leaders, we often get caught up in the day-to-day grind, but Ty shares a truly refreshing perspective—that legacy isn't some far-off concept but is about the people we develop along the way.Ty passionately opens up about his Lead On and Lead In programs, which prepare future leaders within his organization—but his mentorship extends beyond his own walls, actively seeking out rising stars in the credit union industry and connecting them with opportunities, resources and seasoned veterans who can help them grow. This concept of "sponsorship" versus mentorship truly resonates with us!Ty also challenges the idea of "big vs. small" credit unions, arguing that we're all part of the same cooperative movement. He believes that larger institutions have the responsibility to support and uplift the smaller ones because we are ultimately stronger together, and this collaborative mindset is so refreshing and inspiring in an industry that can sometimes feel divided.Ultimately, Ty's overarching message is about making the most of the precious time that we have. He doesn't just find time for mentorship—he makes it a priority because he sees it as an investment that pays dividends, both for the mentor and the mentee. His insights on work-life balance, vulnerability as a leader, and empowering boards are equally thought-provoking, and this is a conversation that is sure to leave you feeling inspired to build our own legacies in real-time. Enjoy our conversation with Ty Muse!Find the full show notes on cuinsight.com.Subscribe on: Apple Podcasts and SpotifyHow to find Ty:President & CEO at Visions Federal Credit Unionvisionsfcu.orgTy: LinkedInVisions Federal Credit Union: LinkedIn | Facebook | Instagram | X | YouTube | TikTok

In this episode of The Fintech Combine, host Kris Kovac sits down with Andy Bandyopadhyay, CEO and founder of Attune, to explore how credit unions can turn financial wellness into measurable growth. Andy shares their journey from Silicon Valley giant Instagram to launching a platform that helps institutions track member impact with the same rigor as financial KPIs. If you've ever wondered how to align mission with metrics—or why "PFI is dead"—this episode is a must-listen.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, we sit down with Angela King and Jolene Plotzke from Michigan Schools and Government Credit Union to talk about the importance of financial literacy and their unique approach to serving the community. After some lighthearted conversation about dogs, music, and family, we dive into the core topic—money, debt, and financial education.Angela and Jolene explain that many people, even high earners, often lack basic budgeting skills. This disconnect leads to financial issues like unmanageable mortgage payments and maxed-out credit cards. At MSGCU, the focus isn't on sales or fees—it's about building trust, offering support, and improving financial well-being. Angela shares her role as a branch manager and certified financial counselor, helping members develop personalized plans to manage debt and set financial goals. Jolene, a former music teacher turned financial educator, emphasizes how transferable teaching skills help her connect with people in workshops and one-on-one sessions.We learn about MSGCU's extensive community outreach efforts. From customized presentations for police and fire departments to classroom education for students, they tailor their financial literacy programs to the needs of each audience. Their approach is personal and word-of-mouth driven, avoiding flashy marketing in favor of real connections. They offer a digital portal with self-paced modules and direct scheduling for those looking to bring financial education to their organization.The conversation touches on broader cultural shifts too—how financial conversations are becoming less taboo, and the role both Angela and Jolene play in fostering those discussions. In a touching moment, Angela and Jolene share the personal challenges they've stayed committed to—Angela's lifelong mission to connect through financial counseling and Jolene's dedication to mentoring her children into financially independent adults.This episode makes a strong case for why financial literacy is not just important—it's transformative when done right, and MSGCU is clearly leading that charge.More:Michigan Schools and Government Credit Union Website: https://www.msgcu.org/Email Angela King: AKing@msgcu.org Learn more about the Royal Oak Chamber of Commerce: https://www.royaloakchamber.com/Connect with our hosts:Jon Gay from JAG in Detroit Podcasts - http://www.jagindetroit.com/Lisa Bibbee from Century 21 Northland - http://soldbylisab.com/

In this episode, Meredith Olmstead and Kristin Mock break down how credit unions and community banks can advocate for bigger, smarter marketing budgets. From connecting marketing efforts to core data to shifting the mindset from "expense" to "investment," they share actionable tips to align your budget with real growth goals.Key Takeaways:Data Changes the Conversation: Connecting your core and marketing systems can prove that marketing drives revenue, not just impressions.Budget Shouldn't Be Just Marketing's Job:  Your website and digital assets support sales, service, and operations—so their budgets should too.Think Digital = Your Most Important Branch:  It's time to treat your digital presence like the branch it truly is—an asset that deserves serious investment.

John and Glen ruminate on a pair of major events reshuffling the fintech world- The Circle IPO's impact on venture funding, and the Big Beautiful Bill's unorthodox approach to throttling AI regulation. Also- John gets “spun out on quantum,” and admits a surprising change of heart regarding his outlook for AI.           Links related to this episode:   Glen's blog on the Circle and Chime IPOs: https://www.big-fintech.com/what-the-chime-and-circle-ipos-mean-for-fintech-investment/ The Senate alters the House budget provision curtailing states' ability to regulate AI: https://rollcall.com/2025/06/05/ai-regulation-moratorium-dropped-in-senate-budget-package/  Axios' story about AI's newfound ability to blackmail: https://www.axios.com/2025/05/23/anthropic-ai-deception-risk  CNBC's take on the Genius Act: https://www.cnbc.com/2025/06/13/what-the-genius-act-could-mean-for-crypto-and-other-investors.html  TechCrunch's recap of Chime's circuitous path to a successful IPO: https://techcrunch.com/2025/06/12/chime-almost-died-in-2016-turned-down-by-100-vcs-today-it-ipod-at-14-5b/  Pitchbook's take on the inevitability of Chime's “down round” IPO: https://pitchbook.com/news/articles/chimes-ipo-signals-down-rounds-are-here-to-stay     Join us for our next CU Town Hall- Wednesday July 9 at 3pm ET/Noon PT- for a live and lively interactive conversation tackling the major issues facing credit unions today. Industry developments keep coming fast and furious- the CU Town Hall is the place to make sense of these items together. It's free to attend, but advance registration is required:  https://www.cutownhall.com/   Join us on Bluesky!  @bigfintech.bsky.social;  @154advisors.bsky.social (Glen); @jbfintech.bsky.social (John) And connect on LinkedIn for insights like the Friday Fintech Five: https://www.linkedin.com/company/best-innovation-group/  https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/

Send us a textWant to know the secret about how to better target a new member acquisition campaign?Of course you do.  Just about every credit union in the country is scrambling to gain new members - but could the campaigns be more efficient and effective?In many, many cases the answer is a loud yes.Enter Vertices Which is blending data and AI  to give credit unions tool to enable more precise targeting strategies and tactics.On the show is Mitch Rutledge, CEO of Vertice AI and himself a past podcast guest, episode 247,But don't take just his word.Also on the show are business development specialist Tiffany Sharpensteen  and Bradley Herbert, senior VP of technology, both of Education Credit Union of Amarillo, Texas which has assets around $480 million. Education shares its experience in the pilot program of Vertice ACQUIRE - and, yes, the reviews are glowing. 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

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/The National Credit Union Administration today placed Aldersgate Federal Credit Union in Marion, Illinois, into conservatorship. Member services will continue while the NCUA works to resolve issues affecting the credit union's operations.Member deposits at Aldersgate Federal Credit Union remain protected by the National Credit Union Share Insurance Fund. Administered by the NCUA, the Share Insurance Fund protects individual accounts at federally insured credit unions up to $250,000. Member's interest in all joint accounts combined is also insured up to $250,000. The Share Insurance Fund separately protects IRA and KEOGH retirement accounts up to $250,000. The Share Insurance Fund has the backing of the full faith and credit of the United States.Members may conduct financial transactions via phone by calling the NCUA Asset Management and Assistance Center at 512.231.7940 Monday through Thursday between 10:00AM-4:00PM Central. Those calls will be routed to the appropriate specialists. Members can continue to conduct financial transactions, such as depositing funds, making loan payments, and requesting share withdrawals during the conservatorship.Members with questions about the conservatorship may review the Aldersgate Federal Credit Union's frequently asked questions posted on the NCUA's website. Members with questions about their Share Insurance Fund coverage can find more information in the Share Insurance Coverage(Opens new window) section of NCUA's MyCreditUnion.gov (Opens new window)consumer website.Aldersgate Federal Credit Union is a federally insured credit union with 811 members and reported assets of $10.6 million, according to the credit union's most recent Call Report. Aldersgate Federal Credit Union serves the ministerial and probationary members, full time employees, local pastors, clergy persons and diaconal ministers under appointment of the bishop of the Illinois Great Rivers Conference of the United Methodist Church

Steven Bugg, President & CEO of Great Lakes Credit Union, joins Jon Hansen to discuss the purpose of credit unions and the role they play in serving their members. Steven talks about who can join the credit union and emphasizes GLCU’s mission of putting their customers first. For more information, visit www.glcu.org.

A veces, el problema no es la falta de oportunidades para financiar un negocio, sino no saber cómo acceder a ellas. Herla Parra, experta en el sistema crediticio comercial y personal en Estados Unidos, asegura que muchas personas cometen errores por falta de información. “Los errores más grandes que he visto es que hacen aplicaciones sin tener una preparación, no tienen un perfil ideal para hacerlo por el mismo desconocimiento. Mi recomendación siempre es tomar una asesoría cuando desconoces del tema, porque si quieres hacer una inversión y hacer crecer tu negocio, necesitas tomar información para formar ese perfil ideal del lado del personal”. Ese perfil comienza con una estructura financiera básica pero bien armada. “Con solo tener una variedad de productos dentro de tu perfil personal, como cuatro tarjetas de crédito y tener cuentas que pagas mensualmente, como un vehículo, vas a comenzar bien. Si no estás perfilado, no apliques a tarjetas de crédito porque le estás dejando manchas a tu reporte de crédito sin saberlo”, sostiene nuestra invitada. Para Herla, una de las formas más accesibles y menos riesgosas de comenzar es con tarjetas de crédito al 0% de interés, siempre que provengan de instituciones financieras de categoría. “Es importante que esas tarjetas de crédito sean con bancas de categoría, en lo posible bancas nacionales. En Estados Unidos está Chase, que en la actualidad es la que está dando mucho más dinero. También recomiendo Bank Of America, porque tiene gran variedad de tarjetas. Además está Truist o Fargo”. Ahora bien, si el problema es la falta de antigüedad crediticia, también hay soluciones: “Si te está faltando antigüedad, puedes acceder a un usuario autorizado que te va a inyectar antigüedad a tu reporte de crédito y te va a ayudar enormemente”, afirma nuestra experta. Una opción alternativa, especialmente valiosa para negocios en etapa de crecimiento, son los Credit Union. “Tienen sus APRs, sus intereses, que son bastante buenos, porque lo más alto que ellos tienen es un 18%. Ellos son bancas de relaciones y, si haces ciertas jugadas con ellos, puedes acceder a ciertas cantidades de dinero que te pueden dar, hasta $25,000 y $50,000, cosa que es muy limitada en la banca de categoría A. Además tienen tarjetas de crédito al 0% de interés”, comenta Herla. Para acceder a estos beneficios, hay un paso clave que muchas personas pasan por alto: “Es muy importante pertenecer a la institución de American Consumer Council, que de entrada debes de estar allí porque te da acceso a la gran mayoría de Credit Union del país”, recalca nuestra invitada. Una vez que el perfil está formado, lo siguiente es pensar estratégicamente. “Si tienes el perfil indicado para ingresar a un crédito, lo primero es crear la estrategia”. Herla se enfoca sobre todo en los negocios medianos, que suelen estar en una etapa ideal para aprovechar estos beneficios. “Muchas veces me pasa que hay clientes a los que les recomiendo comenzar con tarjetas de crédito al 0% de interés, pero quieren un Personal Loan. Pero cuando a ese negocio le voy a hacer el 0% de interés, ya tiene responsabilidades con entidades financieras y se complica. Pero cuando uno comienza con el 0% de interés, puede acompañarse con líneas de crédito que les puedo solicitar paralelamente, porque ese 0% en algún momento se va a acabar y tienes que estar preparado para ese momento”, explica. Por último, Herla advierte que no todas las tarjetas ayudan a construir un buen perfil: “Aconsejo no aplicar a las tarjetas de Capital One, Discover ni las de TD Bank, porque su utilización va a afectar y se va a relacionar en el lado personal”. Tener acceso a capital al 0% de interés no es un mito, pero requiere estrategia, preparación y conocimiento. Herla lo resume con claridad: crear un perfil sólido, elegir las herramientas correctas y estar un paso adelante de lo que vendrá. Instagram: @herlaparra.usa WhatsApp: +1 941 702 4528

The cybersecurity landscape is changing fast. And for financial institutions, one of the biggest shifts on the horizon is the sunsetting of the FFIEC Cybersecurity Assessment Tool (CAT) in August 2025. In this episode of the Risk Intel podcast, Josh Magri, President and CEO of the Cyber Risk Institute (CRI), joined host Edward Vincent to unpack what this means for banks, credit unions, and other financial players.From emerging threats powered by AI to the evolving regulatory frameworks shaping cybersecurity governance, Josh's insights are a must-hear. Listen to the full episode here!Follow us to stay in the know!

We preview the 2025 World Credit Union Conference this month on Episode 50 of The Global Credit Union Podcast.Christi Swoboda, WOCCU Director of International Meetings and Events, shares all the you need to know before you arrive in Stockholm, Sweden, and also previews the keynote speakers and major themes being covered at WCUC 2025 from July 14-16. There will be more sessions focused on advocacy, policy and regulations in Stockholm than at any previous World Credit Union Conference. Paul Andrews, WOCCU Vice President of International Advocacy, and Erin O'Hern, WOCCU International Advocacy and Regulatory Counsel, discuss the importance of those sessions and what you can learn and take back to your credit union.There is a lot for attendees to get excited about outside the conference as well. Karin Mäntymäki, Director of International Market Development for Visit Stockholm, talks about all that Sweden's world-class capital has to offer.You'll also hear about events the Worldwide Foundation for Credit Unions is hosting in conjunction with WCUC 2025, and how you can register for those. It's an episode you don't want to miss! 

Chris Low, Chief Economist at FHN Financial, rejoins the guys for a live appearance from DCG's 41st Annual Balance Sheet Management Conference in Boston.  Within this comprehensive conversation, Chris expounds on the impact of tariffs and the nation's debt on long-term interest rates, the Sahm Rule and unemployment expectations, housing market trends along with bank lending and credit implications, and answers the question of whether we have seen Jerome Powell's last rate cut. For more insights and ideas, visit DCG at DarlingConsulting.com or follow us on LinkedIn.

Some credit union leaders are building small business programs, investing in community growth, and doing the hard work. Others are still hiding behind “we can't”—and it might be costing the industry its future.In this episode of Grow Your Credit Union, host Joshua Barclay is joined by co-host Becky Reed and guest John Holt, CEO of Nutmeg State Financial Credit Union, to talk about the controversy around CEO golden parachutes, the untapped opportunity in small business lending, and whether chasing CDFI grants is really worth it.A huge thanks to our sponsor, PFP Services.Credit Unions know that engagement is key to success. PFP Services brings expertise, resources, and passion to help you build strong connections with your members. Our goal is to grow your credit union together, forming lasting bonds every step of the way. Partnering with us means a mutually beneficial relationship with absolutely no cost! Visit familysecurityplan.com/credit-unions/ to learn more. Listen now to stay ahead of what's shaping the movement.

Cyndi Lauper chats with Chris and Whip of The Morning Mix about the last leg of her tour - The Girls Just Wanna Have Fun Farewell Tour! She'll be in Milwaukee on August 3rd and at Credit Union 1 Amphitheater in Tinley Park on August 5th.Listen to The Morning Mix weekdays from 5:30am - 10:00am on 101.9fm The Mix in Chicago or with the free Mix App available in the Apple App Store and Google Play.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

“Credit unions are so critical in helping their members and communities.” - Robin KolvekThank 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 Robin Kolvek, CEO of VisiFI. She joins me to share her compelling story of career pivots, personal values, and staying human in a rapidly evolving tech landscape. Robin reflects on how she went from chasing dreams of being a teacher, coach, or even a detective to leading a major fintech company focused on credit unions—and how none of it was part of the plan.In our conversation, we discuss the often overlooked but incredibly important role that credit unions play in community development and why they deserve more attention in conversations around innovation. Robin offers an insider look at how VisiFI supports small and midsize credit unions by delivering the kinds of digital tools and enhancements that help them not just keep up but also genuinely compete with bigger players. She stresses that their clients' voices aren't just “heard” but are integral.Robin opens up about what it means to be a leader in the credit union space, especially when your organization is backed by a global tech powerhouse like Italy-based Dedagroup. We explore how that relationship gives VisiFI crucial access to next-level tools such as AI, cybersecurity, and analytics—while keeping them local enough to stay responsive to credit unions' specific needs.As we wrap up the episode, Robin also reflects on the impact her mother had on her as a child, her love of travel, and how she manages to maintain a work-life balance. She also offers a couple of great book recommendations. Enjoy my conversation with Robin Kolvek!Find the full show notes on cuinsight.com.Connect with Robin:Robin Kolvek, CEO of VisiFIvisifi.comRobin: LinkedInVisiFI: LinkedIn | Facebook | YouTube

From the average consumer's perspective a bank and a credit union may offer the same products, and appear the same when standing in the building.  But a bank and a credit union have very different lending criteria, a different mindset, and well, report to different people as stakeholders.  My guest today is Mark Ritter, CEO of Member Business Financial Services. Mark and I discuss why a Credit Union may be a better option for landlords in this ever-changing environment.

Organizations across the financial sector are investing more time and energy into data strategy, but many still struggle to move from planning to execution. In this episode of the Risk Intel Podcast, Jeff Fink returns for Part 4 of our Data Strategy series, sharing tactical guidance on how to operationalize a data strategy and deliver real business value. Whether you're a chief data officer at a regional bank or an operations leader at a credit union or community bank, this episode offers a practical roadmap for putting your strategy into motion.Follow us to stay in the know!

The average annual motor premium for the EU is €315 but Ireland's average is nearly double this figure. A public consultation on insurance reform has been completed, so when will it be released? To discuss this Robert Troy Minister of State with Special Responsibility for Financial Services, Credit Unions, and Insurance.

Glen speaks with Georgia State University Finance Professor Jonathan Godbey about new student-led consumer research that yields some unexpected findings about Gen Z banking attitudes. Plus- Circle's IPO is roundly celebrated, Illinois kicks the interchange can down the road, and the AI Easter Egg hiding in the Big Beautiful Bill.          Links related to this episode: The Georgia Fintech Academy: https://georgiafintechacademy.org/ The Technology Association of Georgia's Fintech Ecosystem Report: https://www.tagonline.org/wp-content/uploads/2025/04/2025-Fintech-Ecosystem-Report.pdf Fintech South- in Atlanta August 19-20: https://www.fintechsouth.com/ Contact Georgia State Finance Professor Jonathan Godbey at jgodbey@gsu.edu Payments Dive's coverage of Illinois' Interchange Fee Prohibition Act extension: https://www.paymentsdive.com/news/illinois-legislature-delays-interchange-fee-ban-law/749526/ Circle's IPO: https://finance.yahoo.com/news/circle-stock-surges-15-extends-gains-for-third-day-in-a-row-since-blockbuster-ipo-153657180.html The Senate alters the House budget provision curtailing states' ability to regulate AI: https://rollcall.com/2025/06/05/ai-regulation-moratorium-dropped-in-senate-budget-package/   Join us for our next CU Town Hall- Wednesday June 11 at 3pm ET/Noon PT- for a live and lively interactive conversation tackling the major issues facing credit unions today. Industry developments keep coming fast and furious- the CU Town Hall is the place to make sense of these items together. It's free to attend, but advance registration is required:  https://www.cutownhall.com/   Join us on Bluesky!   @bigfintech.bsky.social @154advisors.bsky.social (Glen) @jbfintech.bsky.social (John) And connect on LinkedIn for insights like the Friday Fintech Five: https://www.linkedin.com/company/best-innovation-group/  https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/

Send us a textSome 4.18 million Americans will turn 65 in 2025 and many of them will have to make difficult and crucial decisions about their Medicare coverage.Credit unions can play a crucial role in this process and in this episode from May 2023 Rock Carter tells exactly how credit unions can get involved.And if you think Medicare has to be easy, well, get ready to hear the complexities.Listen up.

Sponsors:• ◦ Visit Buildertrend to get a 60-day money-back guarantee on your Buildertrend account• ◦ Marvin Windows and Doors• ◦ Sub-Zero Wolf Cove Showroom PhoenixConnect with Thad Flores:https://www.arizonafinancial.org/thad-floresConnect with Brad Leavitt:Website | Instagram | Facebook | Houzz | Pinterest | YouTube

“We must really control the inputs we are taking into our brain.” - Lauren CulpWelcome to episode 211 of The CUInsight Experience podcast with your hosts, Randy Smith, co-founder of CUInsight, and Jill Nowacki, President and CEO of Humanidei.This episode is sponsored by Alacriti—a leading payments fintech helping credit unions compete with challenger banks and digital wallets. Alacriti delivers seamless, real-time money movement experiences for loan payments, A2A transfers, digital disbursements, and bill pay. With a single, cloud-native platform that connects to The Clearing House, Fedwire, ACH, and FedNow, credit unions can modernize without overhauling legacy infrastructure. Learn more at Alacriti.com.In this season, Jill and I will have conversations centered around leadership, credit unions, and living our best lives. We will have some of the most respected leaders from around credit unions who we are grateful to call friends join us in the discussion from time to time too.In this episode, we are joined by Lauren Culp, Executive Director at the National Credit Union Foundation (and former President and CEO at CUInsight). She joins us to talk about energy, not just as a buzzword but as a very real challenge that leaders must face. Lauren reflects on what depletes her and what restores her, including deleting social media off her phone. We explore the difference between being productive and being present and how hard it is to do both when you're living in a steady stream of notifications and back-to-back meetings.We also open up about learning to say no, what boundaries look like in leadership, and how to tell the difference between what is actually urgent and what just feels urgent. Whether it's blocking no-meeting days, turning off email notifications, or just having the self-awareness to admit that you are “out of words,” these are the tools that help us stay grounded rather than just efficient, especially since there is a difference between being productive and actually being present.Join us for an insightful conversation about being human and about protecting the parts of ourselves that leadership can easily burn through if we aren't being careful. If you've ever found yourself feeling scattered, exhausted, and completely out of energy, then this episode is definitely for you. Enjoy our conversation with Lauren Culp!Find the full show notes on cuinsight.com.Subscribe on: Apple Podcasts and SpotifyBooks mentioned on The CUInsight Experience podcast: Book List How to find Lauren:Lauren Culp, Executive Director at the National Credit Union Foundationncuf.coopLauren: LinkedIn NCUF: LinkedIn | 

Send us a textA monthly series focused on financial well-being as a core component of overall health.  Learn more at navigantcu.org Support the show

In this episode of Money Donuts, the hosts are joinedby Comprehensive Lending Specialist Heather to dive into the world of auto loanrefinancing. Whether you're curious about lowering your interest rate,adjusting your monthly payment, or just want to learn how refinancing works,this podcast has you covered. Heather walks us through the ins and outs ofrefinancing an auto loan at Royal Credit Union, including when it might makesense to refinance.

Send us a text25% cashback on an Amazon purchase.  35% back at Kroger.  Now do I have your attention?And this is cashback on a debit card.  You thought debit card cashback vanished a decade ago? It had.But now it just may be coming back.On the show are David Metz, CEO of Prizeout, an innovator in adtech, and he is here to talk about a new product, CashBack+ Pay.Also on the show is Amy Sink, CEO of Interra Credit Union, an Indiana institution with assets around $2 billion, an investor in the Prizeout CUSO.As for those eye popping cashback purchases, they are real and both were enjoyed by Interra members who had signed up Cashback + Pay, relates Sink.According to Prizeout, “The first group of credit unions now live with CashBack+ Pay includes Interra Credit Union, Michigan State Federal Credit Union, United Financial Credit Union, Golden 1 Credit Union and People Driven Credit Union.”Cashback rates vary - sometimes by day, often by a member's particular demographic.  But, says Metz, the usual rate now is averaging 6.8%.  Rewards are instant too.Metz in the show tells about the mechanics of Cashback + Pay and Sink is the articulate evangelist.  Also on the show in a cameo is Andrea Holland, who handles communications for Prizeout.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