Deposits & Payments

Credit Cards

By Ian Melhorn | Nov. 21, 2017

Find out which states posted the highest credit card penetration with this interactive map.

By Rebecca Wessler | Nov. 13, 2017

Five can’t-miss data points this week on CreditUnions.com.

By Elan Financial Services | Nov. 13, 2017

A layered, comprehensive approach is the key to delivering peace of mind.

By Timothy Kolk | Nov. 13, 2017

A razor-sharp focus on four areas of credit card lending helps credit unions operate a program that supports critical priorities, provides income, and deepens member relationships.

By Rebecca Wessler | Oct. 30, 2017

Five can’t-miss data points this week on CreditUnions.com.

By Maya Neuman | Oct. 17, 2017

This millennial wants plastic with the right mix of rewards, security, and budgeting tools.

By Rebecca Wessler | Oct. 10, 2017

Four can't-miss data points featured this week on CreditUnions.com.

By Erik Payne | Oct. 9, 2017

Credit unions in California and Washington offer best practices for responding to breaches and reissuing cards.

By Callahan & Associates, Inc. | Sept. 18, 2017

This second session of the 2017 Credit Card Management Series helps viewers enable meaningful conversations around program management needs and priorities, and allow card managers to effectively advocate for their program's needs.

By Rebecca Wessler | Sept. 18, 2017

Five can't-miss data points featured this week on CreditUnions.com.

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By Erik Payne | Sept. 18, 2017

MSUFCU looks inward to identify sticky products and save members millions.

By Erik Payne | Sept. 11, 2017

Callahan’s millennials weigh in on Debitize, a service that promises to make a credit card act like a debit card.

By Vantiv | Sept. 11, 2017

Experts with the new skill sets are the necessary partners to succeed in today’s competitive environment, delivering knowledge and service.

By Elan Financial Services | Sept. 11, 2017

A focus on growing the credit card portfolio can yield growth among multiple loan touch points.

By Marc Rapport | Sept. 11, 2017

Credit unions can now offer speedier payments, but even those that don’t offer same-day settlements need to take note.

By Marc Rapport | Sept. 11, 2017

Credit unions are seeing a generational shift in how money flows in and out of the institution, but it’s a process more than a pitfall.

By Erik Payne | Sept. 11, 2017

InFirst FCU’s rewards card takes a move from Costco’s playbook and offers a rich deal.

By Liz Furman | Sept. 11, 2017

Do delinquencies and charge-offs suggest the economic recovery faces extinction?

By Marc Rapport | Sept. 4, 2017

American 1 Credit Union provides a template for raising awareness and working with others to protect members and its own coffers.

By Greg Gonsalves | Sept. 1, 2017

At second quarter, annual credit card balance growth has hit its highest rate in the past 11 quarters.

By Marc Rapport | Aug. 28, 2017

Interest on loans drive the income train, but other revenue streams are steaming along.

By Erik Payne | July 31, 2017

Need-to-know information for any credit union launching this card product.

By Rebecca Wessler | July 31, 2017

Five can't-miss data points featured this week on CreditUnions.com.

By Rebecca Wessler | July 17, 2017

Five can't-miss data points featured this week on CreditUnions.com.

By Maya Neuman | July 17, 2017

Credit card lending among credit unions is growing and reaching more members. To develop a successful credit card program at your credit union, pay attention to these key metrics.

By Aman Johal | July 1, 2017

Credit card lending is on the rise at the nation's credit unions.

By Elan Financial Services | May 8, 2017

New tools add safety and reliability on the road or down the street for consumers making purchases with their credit union credit cards.

By Sam Taft | May 8, 2017

Credit unions lent $461.2 billion throughout 2016, surpassing 2015 totals by 12.3%. See how top, middle, and lagging performers differed.

By Callahan & Associates, Inc. | April 28, 2017

This first session of the 2017 Credit Card Management Series provides information on the state of the current credit card market with a particular emphasis on issues critical to those competing with the largest issuers.

By Callahan & Associates | April 10, 2017

Twenty-eight graphs, charts, and maps that evaluate credit union performance in the fourth quarter of 2016.

By Marc Rapport | April 5, 2017

How to inject the credit union message into a seamless payments process, and how the merchant response to the EMV liability shift might be emerging were two hot topics at CSCU’s annual conference.

By PSCU | April 3, 2017

Adopting risk strategies to the changing threats now includes facing down card reward fraud and more.

By Callahan & Associates, Inc. | March 23, 2017

Callahan & Associates and Jim Minge discuss how Texas Trust determined its goals, laid out its plan, and worked its 5-year strategy.

By Erik Payne | March 22, 2017

What the results of a March 2017 study tell us about the four major mobile wallet players.

By Erik Payne | March 6, 2017

Credit Union of Southern California moved to a centralized lending environment in summer 2016. Here’s how the credit union built its team and adjusted policies.

By Ian Melhorn | March 6, 2017

The strong lending growth posted by U.S. credit unions in fourth quarter 2016 is an apt wrap-up for a successful year.

By Erik Payne | Feb. 22, 2017

Loans, member relationships, and sources of non-interest income. How did credit unions perform in fourth quarter?

By Erik Payne | Feb. 20, 2017

How Texas Trust’s approach to lending, technology, and convenience paved the path to asset growth.

By Sam Taft | Feb. 13, 2017

Credit unions originated $343.6 billion through third quarter 2016 — that's an all-time record. See which areas contributed to this double-digit year-over-year growth.

By Callahan & Associates, Inc. | Jan. 18, 2017

Callahan & Associates and Russ Bernardo, director of mortgage lending for Northwest Community Credit Union, discuss how the credit union combines the convenience of a credit card with the stability of a home equity loan.

By Sharon Simpson | Dec. 19, 2016

University Credit Union in Orono, ME, creates new positions and titles to streamline its lending environment.

By Callahan & Associates | Dec. 12, 2016

A monthly collection of Callahan content that, together, addresses a single topic from a variety of perspectives.

By Callahan & Associates | Dec. 1, 2016

Twenty-eight graphs, charts, and maps that evaluate credit union performance in the third quarter of 2016.

By Elan Financial Services | Nov. 14, 2016

A credit card relationship with members enhances the bottom line and deepens overall engagement.

By Sam Taft | Nov. 7, 2016

Check out how the credit union loan portfolio fared in the first six months of 2016.

By Callahan & Associates | Oct. 31, 2016

Twenty-eight graphs, charts, and maps that evaluate credit union performance in the second quarter of 2016.

By Erik Payne | Oct. 28, 2016

How the Wyoming institution takes in stride the booms and busts of a mineral-based economy.

By Russ Bernardo | Oct. 24, 2016

How Northwest Community Credit Union created a home equity product that offers members the last home loan for which they’ll ever need to apply.

By Callahan & Associates | Sept. 28, 2016

A monthly collection of Callahan content that, together, addresses a single topic from a variety of perspectives.

By Card Services for Credit Unions | Sept. 12, 2016

A new multi-channel alert system provides immediate paybacks for CSCU credit card clients.

By Elan Financial Services | Sept. 12, 2016

Credit unions should provide as many mobile solutions to their cardmembers as reasonably possible while watching for new innovations to emerge.

By Erik Payne | Sept. 12, 2016

Listerhill Credit Union is among the financial institutions questioning the protective benefits of EMV and asking “what’s the rush?” to shift.

By Marc Rapport | Sept. 12, 2016

The Iowa credit union used card chip deployment to realign vendor relationships across its payments processes.

By Michelle Parker | Sept. 12, 2016

In July 2016, Callahan & Associates surveyed 170 credit union executives from 40 states to gain insight into their current and emerging sources of non-interest income.

By Stephanie Clark | Sept. 4, 2016

Credit unions are serving members better than ever before, and these three graphs show just how much ground the cooperative industry has gained.

By Liz Furman | Aug. 22, 2016

Loans surpassed $800 billon in the first three months of the year. Here’s how to make sure the industry's growing portfolio stays strong.

By Sam Taft | Aug. 22, 2016

Growth percentiles in major lending categories highlight opportunity and success in the credit union loan portfolio.

By Rebecca Wessler | July 18, 2016

This week, CreditUnions.com compares and contrasts the different strategies credit unions are using to build their credit card portfolios.

By Callahan & Associates | July 4, 2016

Twenty-eight graphs, charts, and maps that evaluate credit union performance in the first quarter of 2016.

By Callahan & Associates, Inc. | June 24, 2016

In this session, credit card expert Tim Kolk explores how to segment a credit union's member base and ensure card products are designed to appeal to individual segments.

By Marc Rapport | June 9, 2016

PSCU reports “a couple hundred thousand dollars” in saved chargebacks already as the big card brands prepare solutions to perceptions of chip card speed trap.

By Marc Rapport | May 9, 2016

CAHP Credit Union underpins loan growth by building rapport with peace officers across the Golden State.

By Elan Financial Services | May 9, 2016

One size doesn't fit all. Providing an extensive credit card product suite can enhance members' experiences and optimize portfolio revenue streams.

By Stephanie Clark | May 9, 2016

Credit union lending reached a record high of $796.5 billion in 2015 as cooperatives posted year-over-year growth in every major loan category.

By Callahan & Associates, Inc. | May 2, 2016

The first session of the 2016 Credit Card Management Series kicks off with an overview of the state of the current credit card market with a particular emphasis on issues critical to those competing with the largest issuers.

By Callahan & Associates | April 30, 2016

A break down of the industry’s financial performance and impact in fourth quarter 2015.

By Marc Rapport | April 18, 2016

A debit payback program at Warren FCU builds member interest and non-interest income.

By Liz Furman | March 29, 2016

The NCAA tournament is down to the Final Four, and regional credit union performance data from Callahan & Associates has predicted the winner.

By Marc Rapport | March 17, 2016

Six months after the liability shift for non-chip cards, the dust is far from settled over EMV implementation, availability, and effectiveness.

By Dahna Chandler | March 7, 2016

By turning a longstanding credit model on its head, BECU repriced $100 million in loans in 2015.

By Elan Financial Services | March 7, 2016

Learning culture, adaptive underwriting, minimizing disruptions are all part of a successful, profitable card operation.

By Stephanie Clark | March 7, 2016

Before year-end data closes the books on 2015, take a look at these successes in the credit union loan portfolio.

By Rebecca Wessler | March 7, 2016

This week, CreditUnions.com profiles a number of credit unions that are making lending more convenient for members.

By Victoria Taylor | Feb. 2, 2016

With more than 85% of the industry reporting in Callahan & Associates’ FirstLook Program, early data trends suggest another quarter of double-digit loan growth.

By Callahan & Associates | Dec. 31, 2015

A break down of the industry’s financial performance and impact in third quarter 2015.

By Callahan & Associates | Dec. 30, 2015

Designing and properly controlling a credit card program is only worth it if this leads to developing an action oriented and high ROI marketing plan for the business.

By Callahan & Associates | Dec. 30, 2015

Credit card programs are obviously different from all other loan products: they provide open and available credit lines for many years, to be drawn at the cardholder’s discretion, while being completely unsecured.

By Callahan & Associates | Dec. 30, 2015

If one area of credit card product design has changed more than any other over the past few years, it is most certainly the structure and value of loyalty and rewards programs.

By Callahan & Associates | Dec. 30, 2015

The session will include a tutorial on how to develop a profit and loss statement as well as instruction on how to identify what information you need and where to find it.

By Marc Rapport | Dec. 17, 2015

Credit unions, processors say it’s too early to agree with gloomy take on digital wallet’s performance.

By Elan Financial Services | Nov. 30, 2015

What are common compliance pitfalls a credit union can fall into?

By Rebecca Wessler | Nov. 9, 2015

As the business model of credit unions evolves, leaders must decide how to allocate resources and where to invest time, money, and people.

By Timothy Kolk | Nov. 9, 2015

There are three broad credit card management options that carry their own advantages and considerations.

By Marc Rapport | Oct. 28, 2015

My plastic is now from a big bank, and that might matter to credit unions.

By Marc Rapport | Oct. 26, 2015

First Tech goes first in facial authentication pilot with MasterCard.

By PSCU | Oct. 5, 2015

How the right data analytics can empower credit unions to target members with offers that offer timeliness and real value.

By Elan Financial Services | Oct. 5, 2015

A key to success with a credit card program is a strong cardmember lifecycle marketing strategy.

By Marc Rapport | Oct. 1, 2015

Credit union card processors say conversion process is well underway, and don’t call it a deadline.

By Fiserv | Sept. 14, 2015

Comprehensive, dynamic practices and processes bring card holder and issuer together to combat growing fraud threat.

By Marc Rapport | Sept. 14, 2015

A Virginia credit union uses card analytics and a new app to catch members’ interest.

By Stephanie Clark | Aug. 26, 2015

Lending activity at America’s credit unions suggests members are making cooperatives their financial institution of choice.

By Marc Rapport | Aug. 13, 2015

Tracking firm reports a decline in consumer use while credit union processors say they’re seeing increasing adoption.

By Callahan & Associates | June 29, 2015

A break down of the industry’s financial performance and impact in 1Q 2015.

By Marc Rapport | May 29, 2015

Opportunity, challenges seen in same-day settlement as Fed calls for comments on its plan to adopt new NACHA rules.

By Sam Taft | May 12, 2015

The Indiana credit union increased auto loans 39% over last year.

By Elan Financial Services | May 11, 2015

By implementing some best practices below, your credit union can be well prepared to respond to inevitable fraud breaches in the years ahead.

By Aaron Pugh | May 8, 2015

What do dogs, iTunes, and road trips have to do with credit unions? More than you might think.

By Marc Rapport | May 6, 2015

Retailer’s Apple Pay play leads to predictions of competitor’s death that some say are premature.

By Callahan & Associates | April 7, 2015

A break down of the industry’s financial performance and impact in 4Q 2014.

By Marc Rapport | March 19, 2015

No fraud, no hurry for credit unions are takeaways from the latest scuttle on the Apple Pay watch.

By Rebecca Wessler | March 16, 2015

Explore the many ways to run a successful card program. Credit, debit, prepaids, rewards, segmentation, industry data, and more — this week on CreditUnions.com.

By Marc Rapport | March 2, 2015

Emerging technology is addressing back-end automation and front-end security within the credit union walls.

By Elan Financial Services | March 2, 2015

Effective underwriting facilitates two primary benefits: driving profitable loan growth and engaging members.

By Andrew Bolton | Feb. 25, 2015

What credit unions stood out for their spectacular credit card growth as of Dec. 31?

By Rebecca Wessler | Feb. 23, 2015

This week, CreditUnions.com offers practices, lessons, and educational resources for the men and women charged with managing the financial risks of their credit unions — the CFOs.

By Marc Rapport | Feb. 23, 2015

The $6 billion credit union’s turnkey loan participation model helps two small credit unions get back in the cards game.

By Callahan & Associates, Inc. | Feb. 18, 2015

Tim Kolk leads the introductory session of a management school for credit union card programs in 2015.

By Sam Taft | Feb. 17, 2015

Non-real estate lending picks up at the Indiana credit union.

By Marc Rapport | Feb. 9, 2015

How NorthCountry FCU maximizes its investment in employees, members, and community.

By Timothy Kolk | Feb. 2, 2015

Credit card programs need constant attention to remain engaging and competitive.

Partner Perspective
What To Watch In Payments In 2015

By PSCU | Feb. 2, 2015

Retailers, interchange beneficiaries, and merchants all want to circumvent the card networks.

By Erik Payne | Feb. 2, 2015

Adoption of BCU’s Signature credit card has increased nearly 50% year-over-year. Learn how and why the Illinois cooperative is moving more card relationships to this product.

By Aaron Pugh | Feb. 2, 2015

Merchant discounts helped this Oregon credit union turn its cards into a must-have shopping accessory for state consumers.

By Aaron Pugh | Feb. 2, 2015

A lower rate for in-state credit card purchases helps VSECU boost its product usage and gives members a grassroots outlet for activism.

By Rebecca Wessler | Feb. 2, 2015

This week, CreditUnions.com spotlights payments strategies designed to reward loyal and community-minded members.

By Erik Payne | Jan. 30, 2015

Four lessons from Ent and Numerica credit unions on how to run a successful member business credit card.

By Drew Grossman | Jan. 26, 2015

When indirect lending margins at Orange County’s Credit Union started to shrink, the $1.2 billion cooperative injected life into its auto portfolio with a new focus, a fresh marketing campaign, and different metrics.

By Jay Johnson | Jan. 22, 2015

A stronger economy, more reserved regulatory environment, and ever-growing public awareness are all good signs for credit union members and the nation in 2015.

By Callahan & Associates | Jan. 22, 2015

A break down of the industry’s financial performance and impact in 3Q 2014.

By Callahan & Associates | Jan. 1, 2015

A monthly collection of Callahan content that, together, addresses a single topic from a variety of perspectives.

By Marc Rapport | Dec. 29, 2014

The Apple launch and — some say — subsequent holiday fizzle helps make mobile a dominating subject in payments talk this year.

By Marc Rapport | Dec. 24, 2014

Leading vendor execs in the credit union space say economic growth and growing competition will make for an interesting next year.

By Rebecca Wessler | Dec. 22, 2014

Which loan strategies resonated with CreditUnions.com readers this year? Find out in this top 10 countdown.

By Marc Rapport | Dec. 18, 2014

IT security experts see attacks ranging from card breaches to HELOC account wire fraud in the year ahead. Some prevention tips are included.

By Marc Rapport | Dec. 4, 2014

Credit unions need not fear EMV "liability shift day" but it's time to start thinking about when to leave magnetic stripes behind.

By Fiserv | Dec. 1, 2014

Apple Pay’s impact on the market, what credit unions should consider when setting a mobile payments strategy, and benefits of an app-based mobile solutions with strong core systems integration.

By Marc Rapport | Nov. 10, 2014

The California credit union uses a range of products to help members avoid payday lenders and build their credit.

By Andrew Bolton | Nov. 5, 2014

This northern Minnesota financial co-op boosted its consumer lending almost four times higher in the first nine months of 2014.

By Marc Rapport | Nov. 4, 2014

Apple Pay has completely changed the conversation around mobile payments, and credit unions better keep an eye on … PayPal. Oh, and Android users still outnumber iPhone devotees.

By Callahan & Associates | Oct. 13, 2014

A break down of the industry’s financial performance and impact in 2Q 2014.

By Drew Grossman | Sept. 29, 2014

Credit unions have increased their credit card market share nearly 50% since the recession. What can you learn from the industry’s notable performers?

By Drew Grossman | Sept. 10, 2014

As of the third quarter, the Starbucks payment app has nearly 12 million active monthly users.

By PSCU | Sept. 8, 2014

Reduced fraud costs and member satisfaction are leading reasons to offer EMV cards ahead of the October 2015 liability shift deadline.

By Elan Financial Services | Sept. 8, 2014

Big data presents great opportunity for targeting and incentivizing members with card offers.

By FIS | Sept. 8, 2014

How EMV, smartphones, and tokenization are changing the customer experience.

By Timothy Kolk | Sept. 3, 2014

Tim Kolk of TRK Advisors discusses credit card program reporting strategies in this Credit Card Management School webinar.

By Janet Lee | Aug. 21, 2014

Credit unions are posting impressive results in credit card numbers, balances, and market share.

By Callahan & Associates | July 9, 2014

A break down of the industry’s financial performance and impact in 1Q 2014.

By Callahan & Associates, Inc. | June 13, 2014

Army Aviation Center Federal Credit Union discusses its memberships need for EMV cards and the steps it took to satisfy those needs.

By Callahan & Associates | June 6, 2014

Virginia Credit Union discusses the process it recently went through to convert its credit card portfolio to EMV.

Partner Perspective
Talk "SMAC" to Engage Millennials

By PSCU | June 2, 2014

The four areas through which credit unions can and must connect to the next generation

By Erik Payne | May 29, 2014

Auto and credit card loans lead the way.

By Elan Financial Services | May 12, 2014

Lifecycle stage and peer group influence card members, so issuers should leverage appropriate marketing tactics that cater to the representative generation.

By Andrew Bolton | March 26, 2014

Lending, originations, revenue, and membership all show how the state’s financial cooperatives have positioned themselves for success this year.

By Callahan & Associates | March 14, 2014

Financial Partners Credit Union discusses the challenges of re-launching a credit card program after selling its portfolio a decade ago.

By Elan Financial Services | March 3, 2014

Do your members consider their credit card an emergency loan product or a smart spending tool?

By Drew Grossman | Feb. 27, 2014

The Creditunions.com team descended on CUNA's GAC this week, taking notes at lectures and breakout sessions for those of you who couldn't attend. Here are a few highlights from five days in credit union wonderland.

By Darrick Weeks | Feb. 7, 2014

How Wright-Patt Credit Union reorganized in the face of a changing payments landscape.

By Janet Lee | Feb. 4, 2014

Callahan’ FirstLook credit unions closed out 2013 with the highest credit card penetration and credit card loan growth since the recession began.

By Timothy Kolk | Feb. 3, 2014

When managed sensibly, credit cards can provide disproportionate returns to the credit union.

By Timothy Kolk | Feb. 3, 2014

Credit unions grew their credit card portfolios during the recession but still have plenty of opportunity to capture greater market share.

By Timothy Kolk | Feb. 3, 2014

Tim Kolk explains how the recession was "pretty good" to credit unions in regard to credit card growth.

By Aaron Pugh | Feb. 3, 2014

Young members are shying away from credit cards. Here’s why winning them back requires looking beyond the product itself.

By Erik Payne | Feb. 3, 2014

How Purdue Federal Credit Union re-engineered its credit card portfolio.

By Drew Grossman | Feb. 3, 2014

Credit unions are making plans to roll out new credit cards with EMV chip technology in advance of the shift of fraud liability in 2015.

By Sharon Simpson | Feb. 3, 2014

Advice from two executives on making a card portfolio part of your core business.

By Timothy Kolk | Feb. 3, 2014

Luck only lasts so long. That's why every credit union needs a long-term roadmap for this crucial area of its business.

By Janet Lee | Feb. 3, 2014

An at-a-glance look at credit card penetration, average balance, outstanding balances, and more.

By Rebecca Wessler | Feb. 3, 2014

This week, CreditUnions.com, is all about credit cards — who has them, who wants them, and how to make them a successful part of your core business model.

Follow these rules to transform card-related challenges into institutional opportunities.

By Andrew Bolton | Jan. 13, 2014

Life often hands credit unions new regulations and other lemons. Yet the cooperative system has an impressive track record of clearing these obstacles or turning them into stepping stones for new growth.

By Andrew Bolton | Dec. 13, 2013

The nation’s 6,753 credit unions posted strong financials in the third quarter, making loans at a record pace and briskly growing membership.

By Erik Payne | Nov. 14, 2013

Third quarter performance data highlights opportunities and success in the credit union industry.

By Timothy Kolk | Nov. 11, 2013

Five steps that separate the top performers and earners from the also-rans.

By Mark Reed | Nov. 11, 2013

What effects does a robust credit card portfolio have on a credit union's financial performance?

By Drew Grossman | Nov. 11, 2013

As more countries adopt chip technology in lieu of magnetic stripes, one U.S. credit union takes the plunge and changes its card technology.

By Erik Payne | Nov. 11, 2013

An Alaskan credit union boosts credit card market penetration from an unlikely source — auto loans.

By Mark Reed | Nov. 7, 2013

As consumers regain confidence, auto and other consumer lending categories are surging.

By Janet Lee | Oct. 29, 2013

By Janet Lee | Oct. 11, 2013

By Elan Financial Services | Oct. 7, 2013

When considering an effective pricing strategy, there are many variables credit unions need to address to ensure a safe and effective return.

By Mark Reed | Sept. 26, 2013

By Andrew Bolton | Sept. 18, 2013

By Catherine Siskos | Sept. 16, 2013

Niche lending helps credit unions build a loyal following while boosting portfolio values.

By Alix Patterson | Sept. 11, 2013

By Janet Lee | Aug. 27, 2013

By Janet Lee | Aug. 1, 2013

By Mark Reed | July 10, 2013

By Drew Grossman | July 8, 2013

With lower fees, better capabilities, and some regulatory advantages, today’s prepaid options resonate with a range of financial institutions and consumers.

Credit unions can fuel growth by leveraging these key fundamentals.

By Elan Financial Services | July 8, 2013

Best practices for balancing financial dynamics, product selection, underwriting flexibility, and the business population.

By Andrew Bolton | July 8, 2013

By PSCU | July 1, 2013

Credit unions have an opportunity to plant new payment strategy seeds and watch them grow.

By Taylor Murray | July 1, 2013

A Midwest credit union branch puts OBM principles to work in the field.

By Parth Kapoor | April 4, 2013

By Andrew Bolton | Dec. 20, 2012

By Melissa Forsyth | Dec. 17, 2012

An Australian credit union combines multiple marketing channels to increase credit card applications by 20%.

By Timothy Kolk | Dec. 17, 2012

Potential rewards and risks in credit card affinity programs.

By Rebecca McClay | Dec. 10, 2012

University of Iowa Community Credit Union reported 22.3% in loan growth in the third quarter with a business model that tracks efficiency “almost fanatically.”

By Parth Kapoor | Dec. 6, 2012

By Timothy Kolk | Dec. 3, 2012

As credit union and bank credit risk levels draw closer, credit unions must use better analytics to maintain their advantage over banks.

By Andrew Bolton | Nov. 15, 2012

Growth in mortgages and consumer loans herald record 2012.

By Jay Johnson | Oct. 22, 2012

In an environment in which consumers are looking for a better way, credit unions are standing apart.

By Jay Johnson | Oct. 22, 2012

New auto loan balances were up nearly 1% in 2Q 2012, reversing an 18-month trend, and the annual growth rate in the credit card portfolio more than doubled to 4.7%

By Timothy Kolk | Oct. 15, 2012

Keep credit card management skills up-to-date as competitive risks increase.

By PSCU | Oct. 15, 2012

Optimize traditional payment revenues now, while preparing to embrace new strategies and technology tomorrow.

By Rebecca McClay | Oct. 15, 2012

Credit unions boost entrepreneurialism through filling the demand for small business loans.

By Rebecca Wessler | Oct. 1, 2012

A diverse mix of loan products has enabled Members 1st Federal Credit Union to post impressive growth numbers while providing for a community with differing needs.

By Melissa Forsyth | Sept. 24, 2012

Vermont State Employees Credit Union developed a signature Visa card with incentives for shopping in the community.

By Bailey Reutzel | Sept. 19, 2012

Consumers without credit histories present credit unions with opportunities to lend credit cards and teach healthy plastic habits.

Partner Perspective
Understanding EMV

By Member Access Pacific | Sept. 10, 2012

Now is the right time to begin embracing this new payment standard.

By | Sept. 10, 2012

Credit unions start taking the first steps toward implementation.

Partner Perspective
Insource Versus Outsource

By Elan Financial Services | Sept. 10, 2012

Credit unions should consider the benefits and pitfalls of each strategy when managing their card portfolio.

By Bailey Reutzel | Sept. 10, 2012

Dominion Credit Union believes contactless payments will be a necessity for future members, but it is taking innovation one step at a time.

By Bailey Reutzel | Sept. 10, 2012

Instant issuance card programs are increasing physical card activation, usage, and member satisfaction.

By Bailey Reutzel | Aug. 20, 2012

New payment technology embraces globalization to make transactions safe.

By Bailey Reutzel | Aug. 15, 2012

A new payment technology embraces globalization to make international and domestic transactions safe and stress free.

By Callahan & Associates | Aug. 6, 2012

The financial industry is moving toward compliance with card-based chip and pin technology.

By Rebecca Wessler | Aug. 6, 2012

Pentagon FCU and SECU of North Carolina work with regulators to create transparent, member-friendly documents.

By Andrew Bolton | July 30, 2012

An analysis of credit unions with and without credit card portfolios shows key differences in financial returns and income.

By | July 1, 2012

An analysis of credit card portfolio profitability profiles.

By Rebecca McClay | June 28, 2012

Target promotions to summer travelers to increase credit card penetration.

By Mark Reed | June 18, 2012

Credit card penetration, use, and average balance have all risen at credit unions over the past year.

By Bailey Reutzel | June 18, 2012

The Maryland & DC Credit Union Association annual conference offered a platform for exchange of strategic ideas.

By Timothy Kolk | May 30, 2012

Credit unions must adapt to changing risk environments as they shore up their credit card portfolios.

By Timothy Kolk | May 30, 2012

Credit unions must adapt to changing risk environments as they shore up their credit card portfolios.

By Timothy Kolk | May 28, 2012

Keep your credit card management skills up-to-date as competitive risks are increasing.

By Bailey Reutzel | May 21, 2012

Educators Credit Union is now aiming to help members save $30 million in 2012 after exceeding its $20 million goal.

By Kathryn Clancy | April 16, 2012

Consumers are paying credit cards bills before their mortgages, but will the pattern continue?

By Timothy Kolk | March 26, 2012

The credit card market has returned to stability, but that’s not necessarily a good thing for credit unions’ growth.

Partner Perspective
Find Balance In Fraud Management

By Vantiv | March 19, 2012

Efficient and cost-effective approaches can help shield credit unions from evolving fraud trends.

By Dwight Johnston | March 12, 2012

An article in the Los Angeles Times provides a cautionary lesson for credit unions.

By Rebecca McClay | Jan. 12, 2012

Jim Norris, CEO of Montgomery County Employees FCU, explains how the credit union is securing double-digit growth in its credit card portfolio.

By Alix Patterson | Jan. 12, 2012

It seems no matter where payments technology goes, getting consumers to adopt it comes down to personal preference, habits. I prefer credit. My (younger) colleagues don't.

By Timothy Kolk | Jan. 9, 2012

Growing a credit card program is easy in this environment; implementing a program scorecard allows for prudent and profitable growth.

By Rebecca McClay | Jan. 9, 2012

Montgomery County Employees Federal Credit Union’s balance transfer promotions have drawn 19.0% 12-month credit card loan growth.

By PSCU | Jan. 9, 2012

Designing and marketing an attractive credit card can provide opportunities to cross-sell other products.

By Elan Financial Services | Jan. 9, 2012

Consumer spending is showing signs of rebounding and credit cards are re-emerging as one of the payment vehicles of choice.

By Timothy Kolk | Jan. 9, 2012

Credit unions can expect credit cards to remain a crucial piece of their portfolio in the year ahead, but they must be ready to manage them properly.

By Timothy Kolk | Jan. 9, 2012

Scrutinize the different credit card behaviors in your members to better manage your credit card portfolio risk.

By Rebecca McClay | Jan. 9, 2012

Richard Cordray, the newly appointed director of the Consumer Financial Protection Bureau, wants consumers to receive fair treatment with credit cards and other financial products.

By Rebecca Wessler | Jan. 2, 2012

Randolph-Brooks gives its members 15 reasons to make the credit union their primary financial institution.

By Timothy Kolk | Dec. 12, 2011

Foster growth and protect your returns by focusing on marketing, product development and underwriting approaches.

By TransUnion | Dec. 12, 2011

Credit unions can cautiously plan for a drop in late payments on home loans and credit cards by mid-2012, but not before a slight uptick.

By Rebecca McClay | Dec. 12, 2011

As the government moves toward ensuring credit card agreements are clear to customers, credit unions can voluntarily do the same.

By Aaron Pugh | Dec. 6, 2011

How can financial institutions better understand and address long-term impersonation?

By Aaron Pugh | Nov. 28, 2011

United Federal Credit Union has embraced instant issuance for today and is well prepared for the next round of card development.

By Rebecca McClay | Nov. 14, 2011

A Loan Saver application that reveals savings in converting to a Belvoir Federal Credit Union loan has already attracted several refis.

By Aaron Pugh | Nov. 14, 2011

Three technology trends could breathe new life into traditional plastic-based payments.

By Timothy Kolk | Oct. 10, 2011

Managing a credit card program is difficult, but it can be very rewarding.

By Rebecca McClay | Aug. 18, 2011

Fewer Americans were delinquent paying their credit card bills last month, a recent report says. It’s a trend credit unions are noting.

By Thomas Cullen | July 11, 2011

To generate strong credit card performance, cooperatives must understand what members value. One way to show you know? Affinity cards.

Feature
Winning At Home

By Thomas Cullen | July 11, 2011

Credit unions are generating solutions that boost local economies.

By Thomas Cullen | July 11, 2011

To generate strong credit card performance, cooperatives must understand what members value. One way to show you know? Affinity cards.

By On Your Way | July 11, 2011

Is your credit union equipped to attract, educate, and serve today's young adults?

By Thomas Cullen | July 4, 2011

Credit cards are making a slow comeback, and knowing what the consumer wants is one key to success.

By Aaron Pugh | July 1, 2011

Look for shared values and a commitment to advocacy when selecting affinity card partnerships.

By Callahan & Associates | July 1, 2011

Balance reward and risk to manage your credit card portfolio.

By Timothy Kolk | July 1, 2011

Are two brands better than one?

By Aaron Pugh | July 1, 2011

When it comes to securing card loyalty, the value created through adopting EMV puts credit unions at the top of the wallet.

By Callahan & Associates | July 1, 2011

How will your membership be banking in 2011 and beyond?

By Rebecca McClay | June 20, 2011

Credit unions can find a “tremendous pricing opportunity” under the proposed Durbin Amendment, says one industry expert.

By Thomas Cullen | June 20, 2011

Blockbuster is closing its stores, maybe credit card debt isn’t all that bad, and you might want to unplug the toaster.

By Rebecca McClay | June 20, 2011

Credit unions can find a “tremendous pricing opportunity” under the proposed Durbin Amendment, says one industry expert.

By Rebecca McClay | June 13, 2011

Credit card search services could point more consumers to credit union products when a new banking regulation, the Durbin Amendment, takes effect this summer.

By Thomas Cullen | May 9, 2011

A credit union has a lot to consider when deciding whether to sell its credit card portfolio.

By Thomas Cullen | May 9, 2011

A credit union has a lot to consider when deciding whether to sell its credit card portfolio.

By Callahan & Associates | April 25, 2011

10 credit union leaders in credit card penetration.

By Callahan & Associates | April 1, 2011

The industry responded to member need in 2010 and positioned itself for the tremendous opportunity for the coming year.

By Aaron Pugh | March 17, 2011

Purdue Federal procures longer lasting financial relationships with its affinity card product.

By Thomas Cullen | March 7, 2011

Credit cards foster loyalty and build a strong loan portfolio. Here are the 4Q10 leaders in credit card penetration.

By Thomas Cullen | March 3, 2011

Credit cards, efficient cars, and unemployment goals are all in the news. Let's see what they mean for cooperatives.

By Rebecca Wessler | Feb. 28, 2011

Five credit programs that unite members around a common bond.

By Rebecca Wessler | Jan. 3, 2011

Credit unions use profitability management to enhance membership value.

By Callahan & Associates | Jan. 1, 2011

As 2010 comes to a close, economic releases are revealing surprising strength in the U.S. economy.

By Callahan & Associates | Jan. 1, 2011

Credit unions that accept debit and credit payments on loan balances capitalize on purchasing trends and maximize call center value.

By Thomas Cullen | Dec. 29, 2010

The holiday season saw consumers shift away from credit card spending. What does that mean for credit unions?

By Aaron Pugh | Dec. 20, 2010

In 2002, a Portland credit union undertook a dramatic reorientation with a new name to match. Where is it now?

By Rebecca Wessler | Nov. 11, 2010

This week, the sisters of reality TV added financial services to their name brand.

By Brianne Aiken | Nov. 11, 2010

Credit card regulations present hurdles on the road to fiscal freedom.

By Callahan & Associates | Nov. 8, 2010

How you make the decision to sell a credit card portfolio determines the transaction’s success.

By Aaron Pugh | Nov. 4, 2010

To recapture members' card balances, think outside the promotion box.

By Thomas Cullen | Nov. 4, 2010

A credit card account can enhance loan portfolios and member relations.

By Callahan & Associates | Nov. 4, 2010

If a credit union conveys the value of a credit card to members, the level of credit card penetration will reflect the work.

By Lydia Cole | Nov. 4, 2010

Do credit card rates affect member usage?

By Thomas Cullen | Nov. 4, 2010

A credit card account can enhance loan portfolios and member relations.

By Callahan & Associates | Oct. 25, 2010

Credit card portfolio sales demand proper evaluation to ensure a positive outcome.

By Alix Patterson | Oct. 4, 2010

Ten credit unions that, despite legislative challenges, grew their credit card portfolio by almost $71 million.

By Alix Patterson | Oct. 4, 2010

Consumers are ready to spend. How can you make sure your credit union is their financial institution of choice?

By Brooke C. Stoddard | Oct. 1, 2010

Working in niches, growing organically, fostering relationships, and emphasizing safety and soundness have helped this two-branch credit union thrive in the Southern California market.

By | Sept. 27, 2010

Millennial borrowers increasingly use cards to make purchases and payments, so evaluate solutions that capitalize on that trend without increasing your risk and regulatory burden.

By Callahan & Associates | Sept. 14, 2010

Credit cards are missing the mark in loyalty and rewards.

By Matt Hand | Aug. 26, 2010

A lesson from the world of social media.

By Alix Patterson | Aug. 18, 2010

It seems no matter where payments technology goes, getting consumers to adopt it comes down to personal preference, habits. I prefer credit. My (younger) colleagues don't.

By Alix Patterson | Aug. 9, 2010

Credit card balances are up 6.7% from June 2009.

By Rebecca Wessler | Aug. 2, 2010

When other card issuers inflated interest rates and fees in the face of legislation, Wright-Patt Credit Union launched a low rate, no frills credit card.

By Rebecca Wessler | July 23, 2010

As member-owned financial cooperatives, credit unions are in the position to look beyond a set of numbers to determine the true risk of its credit seekers.

By Callahan & Associates | July 22, 2010

From deciding to re-enter the market, realistically evaluating the profitability of your portfolio or considering offering rewards there’s something here for nearly every card program.

By Timothy Kolk | July 12, 2010

It might be tempting to view profitability reporting as something that only the CFO and CEO need to care about, but reliable profitability measurement benefits the entire member base.

By Rebecca Wessler | July 1, 2010

For one Ohio-based credit union, putting members first is more than a motto. It's a commitment that the credit union's success and future is tethered to that of the community it calls home.

By Chip Filson | July 1, 2010

A look at Bank of America and the credit union system during the Great Recession.

By Aaron Pugh | July 1, 2010

The market for lending is changing but don't let big shakeups overshadow the small, crucial steps that will make or break your credit union's ultimate success. Credit union consultant Chris Oldag shares best practices for all aspects of the modern market.

By Callahan & Associates | July 1, 2010

As interest rates hamper loan yields, credit cards are becoming a vital source of income and a crucial component in institutional lending strategies.

By Callahan & Associates | July 1, 2010

Growing a credit card program is easy in this environment; implementing a program scorecard allows for prudent and profitable growth.

By Alix Patterson | July 1, 2010

Online merchants promote alternative payment options to reduce interchange expense, risk exposure, and compliance hassles. What impact do alternative payments have on your financial institution?

By Alexandra Gekas | June 24, 2010

Gen Y members are stereotyped as being independent, tech savvy, and narcissist. How can credit unions take advantage of these supposed personality traits?

By Alexandra Gekas | June 17, 2010

After a student banker finds herself in the midst of credit card troubles she seeks credit union alternatives on her road to financial recovery.

By Alexandra Gekas | June 15, 2010

My bank cancelled my credit card and destroyed my credit score with repeated inquires. Now it won’t answer any of my questions about my account or its action. I’m looking for answers, and a credit union solution, to help me on my road to financial recovery.

By Aaron Pugh | June 14, 2010

Sticking to its roots kept this New Jersey credit union standing firm in uncertain times.

By MasterCard Worldwide | June 14, 2010

The ability to make electronic payments creates an efficient exchange of goods and services, which will help the recovery of global economies this year and beyond.

By Alix Patterson | June 8, 2010

Credit unions can hold their heads high in 2010 and beyond.

By Aaron Pugh | June 7, 2010

Opportunity for solid credit card portfolio growth is here. How can your program better utilize increased demand while avoiding the economic and asset quality pitfalls that sabotage others?

By Rebecca Wessler | June 4, 2010

Callahan is gearing up to bring you in-depth insight into the industry’s biggest advancements.

By Lydia Cole | May 21, 2010

The passage of the financial reform bill will have a lasting effect on credit unions.

By Becca Clark | May 20, 2010

The United Nations Federal Credit Union heeds jet-setting members’ needs in adopting smartcard technology.

By Lydia Cole | May 17, 2010

Callahan & Associates asks credit card industry expert Tim Kolk about how credit unions can understand, influence, and change the factors driving credit card program profitability.

By Callahan & Associates | May 14, 2010

Callahan’s Internet Strategy Consortium, a shared cost research group for credit unions, has announced plans to investigate member preferences for debit and credit in their next online member survey, scheduled to launch in May 2010.

By Callahan & Associates | May 11, 2010

Credit card profitability is under more pressure than ever, yet many credit unions don’t accurately report their program’s contribution to the bottom line.

By Alix Patterson | May 3, 2010

As the economy picks up, so too will loan demand. Be ready to meet members’ needs with a diversified portfolio.

By Timothy Kolk | May 3, 2010

A combination of economic forces and regulatory changes has created the perfect storm for credit card issuers, resulting in seriously impaired profitability.

By Lydia Cole | April 22, 2010

While firms may estimate large consumer and business savings with interchange regulation, credit union members may see the value of their membership decline with lost institutional income.

By Sam Brownell | April 5, 2010

Callahan’s year end non-interest income survey provides a snap shot of the industry before Reg E changes take effect.

By Callahan & Associates | April 1, 2010

Converting opportunity into results is an industry challenge for 2010.

By Lydia Cole | March 17, 2010

Looking for higher yields? Consider your card portfolio.

By Lydia Cole | March 17, 2010

Looking for higher yields? Consider your card portfolio.

By Dane Coalson | March 15, 2010

A marketing campaign focused on new low rates and balance transfer opportunities resonates with consumers looking to switch their primary credit card relationship in the wake of the CARD Act.

By Elliott Kashner | March 12, 2010

Even though many payday borrowers have enough unused credit on their credit cards to cover the amount of the payday loan, they still end of choosing the more costly option.

By Alix Patterson | March 4, 2010

Wired magazine covers the history of today's payment networks while looking ahead to a future that changes the way people pay one another. Tweet me the money?

By Alix Patterson | March 2, 2010

Regulation E and potential interchange legislation are looming, but credit unions are choosing to take an optimistic approach to 2010.

By Callahan & Associates | March 1, 2010

Pennsylvania State Employees CU has one of the best credit card programs in the nation. With penetration at 40% and growth in balances last year at 23%, members are demonstrating they see the value in PSECU’s program above the programs of banks and other institutions.

By Timothy Kolk | March 1, 2010

Understanding the changing landscape of credit cards is critical for growing a prudent, profitable program.

By Rebecca Wessler | Feb. 23, 2010

New studies and credit issuer backlash against CARD Act regulations highlight just how plastic American consumers are.

By Dane Coalson | Feb. 22, 2010

A focus on low rates and balance transfer opportunities resonates with consumers looking to switch their credit card relationship in the wake of the CARD Act.

By John Dolan-Heitlinger | Feb. 22, 2010

Simple credit cards, with member-friendly features and appropriate pricing, have broad appeal in the market today. If your credit union sold its portfolio, it might be time to consider issuing credit cards again.

By Alix Patterson | Feb. 21, 2010

Another NYT article the same day shown light on another source of income—foreign transaction fees of up to 3 percent when a merchant processes your card overseas. NYT coverage.

By Alix Patterson | Feb. 21, 2010

Today’s the day. Today, the most heinous bank practices with regard to credit cards are outlawed. So, what are the big banks doing? NYT coverage.

 

By Lydia Cole | Feb. 19, 2010

From all indications Citi is not subject to the CARD Act. They are improving practices for the benefit of their customers.

By Lydia Cole | Feb. 1, 2010

Public discussion has interwoven two themes over the past few weeks: The U.S. needs jobs, and credit unions need loans.

By Lydia Cole | Jan. 7, 2010

American Express is targeting Gen Y with a newly-branded charge card called Zync. Will young folks fall for it?

By Rebecca Wessler | Jan. 1, 2010

Affinity programs offer another way for credit unions to connect with the market.

By Callahan & Associates | Jan. 1, 2010

Affinity programs appeal to a target audience, but even focused audiences have differing financial preferences. The success of any affinity program is determined as much by what the product is as who the audience is.

By Lydia Cole | Dec. 14, 2009

Asset quality in the card portfolio is stabilizing.

By Callahan & Associates | Dec. 7, 2009

APL FCU in Maryland leveraged the CARD Act to teach their members about responsible credit card practices. They’ve seen new outstanding card balances triple from the year prior.

By Callahan & Associates | Nov. 23, 2009

By CU*Answers | Oct. 19, 2009

For all the hoopla in the press, the legislative grandstanding for consumer groups, and the finger pointing at financial institutions about the abuses of overdraft processing services, it still comes down to one simple idea.

By Lydia Cole | Oct. 1, 2009

After a lengthy re-scoring process of 35,000 credit card holders, SAFE Credit Union used their service bureau's Trigger Alerts to help manage the process.

By Callahan & Associates | Oct. 1, 2009

Vermont State Employees Credit Union ($440M, Montpelier, VT) is always looking to protect their members from various forms of fraud, without inconveniencing them.

By Callahan & Associates | Oct. 1, 2009

Collections pratices are not a topic that credit unions typically get excited to talk about, but collections strategies are necessary especially in the recent economic downturn.

By Callahan & Associates | Oct. 1, 2009

Credit unions find ways to meet member needs as many consumers face tight credit conditions.

By Callahan & Associates | Oct. 1, 2009

California and Texas, two of the largest credit union states, are forerunners of national trends. By analyzing these two states, we can develop a framework to help us better understand national trends moving forward.

By Callahan & Associates | Oct. 1, 2009

In the midst of a tremulous credit card market, credit union card portfolios experience solid growth.

By Callahan & Associates | Oct. 1, 2009

APL found that focusing on a very straightforward, basic card offering can pay big dividends in this type of economic environment.

By Callahan & Associates | Oct. 1, 2009

A marketing campaign focused on new low rates and balance transfer opportunities resonates with consumers looking to switch their primary credit card relationship in the wake of the CARD Act.

By Callahan & Associates | Oct. 1, 2009

The CARD Act restructured terms, reduced limits, increased rates and fees for credit cards. Gene Foley talks about the opportunity for credit unions in this market.

By Lydia Cole | Oct. 1, 2009

Beyond standard debit and credit rewards, Envision Credit Union has seen success by allowing members to aggregate rewards points throughout their household.

By Callahan & Associates | Oct. 1, 2009

Consumers to continue to change the ways in which they pay for purchases with decreasing cash and increasing card payment.

By Callahan & Associates | Oct. 1, 2009

Increased balances and member usage resulted in year over year market share growth.

By Callahan & Associates | Oct. 1, 2009

One of the major issues impacting credit unions is the increased prevalence of fraud within expanding card portfolios.

By Callahan & Associates | Oct. 1, 2009

Recent headlines regarding questionable credit card company billing practices provide a great opportunity for credit unions, most of whom have consumer-friendly practices already in place.

By Callahan & Associates | Oct. 1, 2009

What Gen Y wants in a credit union credit card program?

By Callahan & Associates | Oct. 1, 2009

Average credit card penetration at credit union through the end of 2008 was 14.3%. This means that the vast majority of creidt union members are not using their credit union's credit card.

By Callahan & Associates | Oct. 1, 2009

By Callahan & Associates | Oct. 1, 2009

By Callahan & Associates | Oct. 1, 2009

With member and market demand for debit and crdit cards increasing, credit unions need to understand the dynamics of their card portfolios to predict members' future needs. These trends, combined with added pressure on the bottom line, make interchange income a crucial component of credit union revenue.

By Callahan & Associates | Sept. 7, 2009

Expansion of Total Credit Card Lines: Credit Unions vs. Banks

By | Sept. 7, 2009

Good times breed routine evaluations for efficiency gains – tough times mandate efficiency improvements as a life-line. What is your credit union doing? Are you looking at technology to improve your back office operations?

By Alpha Omega Laser | Aug. 31, 2009

Another governmentally-imposed tsunami has washed ashore! Legislation rolls in as quickly as ocean waves, drowning its victims under a storm-tossed sea of churning regulations.

By Alix Patterson | Aug. 11, 2009

testing

By Dane Coalson | Aug. 10, 2009

Negative headlines about financial institutions are commonplace in our current national climate, but one issue in particular has risen above the din in the last few months.

By Dane Coalson | Aug. 3, 2009

The bill's reach is much greater than credit cards; all open end lines of credit are affected. The first implementation date driving the widespread concern is the August 20th initial compliance deadline for providing a 21 day notice for a periodic payment.

By Callahan & Associates | Aug. 3, 2009

By Lydia Cole | July 27, 2009

With the departure of the National Arbitration Forum and the American Arbitration Association, credit unions have an opportunity to emphasize their member-friendly credit card practices.

By Callahan & Associates | July 1, 2009

As the economy continues to worsen, even credit unions in relatively better-faring parts of the country need to consider the potential financial management changes their members may be making.

By Alix Patterson | July 1, 2009

The 2007 Electronic Payments Study takes a look at the emerging payments technology affecting the financial services industry and what lessons credit unions can learn from the big players.

By Elliott Kashner | June 15, 2009

Young adulthood is marked with some life-changing transitions, resulting in financial and emotional stress for both parents and youth. Understanding these transitions will help credit unions more effectively serve their younger members.

By Elliott Kashner | June 15, 2009

Is your lending program "fair" to students? With college costs growing at more than twice the rate of inflation, students are increasingly turning to cards as a source of funding for education.

Feature
Cards on Campus

By Elliott Kashner | June 4, 2009

More students are using credit cards to cover college-related expenses, according to a 2009 study from Sallie Mae.

By Denise Senecal | June 1, 2009

As industry players await a GAO study on interchange fees commissioned via the recently passed Credit Cardholders' Bill of Rights (HR 627), credit unions are carefully watching to see what aspects of proposed legislation are likely to be enacted in the 111th Congress.

By The Members Group | May 11, 2009

Keeping one step ahead of credit card fraudsters is a priority objective at Vermont State Employees Credit Union. Here’s how the Montpelier credit union collaborated with card processor TMG to protect its 30,000 cardholding members.

By Callahan & Associates | April 6, 2009

In the third installment of the CYouth Web Series, we explore the many pitfalls to avoid when using credit cards.

By Callahan & Associates | April 1, 2009

With a design that withstands serious economic stress, credit unions saw posted near-record loan growth while other institutions are scaling back.

By Primax Payments | Feb. 23, 2009

Merchant processing services help build a solid foundation to strengthen relationships with your small business members.

By Nick Connors | Feb. 9, 2009

Thus far, Callahan & Associates has received data from credit unions representing a total of $221.8 billion dollars in assets, or approximately 27.2% of the total industry. From this data, we have the opportunity to see trends that shed some light on credit union performance through the end of 2008.

By Jay Johnson | Feb. 2, 2009

Members have opened over 200,000 new credit card accounts over the 12 months to bring the total to nearly 12.8 million.

By Rob Givens | Jan. 26, 2009

Plastic card fraud has grown to alarming proportions; recent statistics estimate losses in the billions of dollars. Fraudulent access to computer files, lost and stolen cards, identity theft, skimming and cloning, to name a few, are burdening the financial services industry and consumers with considerable losses.

By Nick Connors | Oct. 27, 2008

As check volume drops off, what method of payment are consumers now using to make their payments?

By Nick Connors | Oct. 20, 2008

By Nick Connors | Oct. 20, 2008

By Callahan & Associates | Oct. 1, 2008

According to the Federal Reserve's 2007 Payments Study, many previous trends are shifting.

By Callahan & Associates | Oct. 1, 2008

Credit union credit card programs experienced another strong year of growth in 2007.

By Callahan & Associates | Oct. 1, 2008

The graphs in this section come courtesy of Card Services for Credit Unions. By using the CSCU portfolio as a proxy, we are able to infer trends that are having an impact on the credit union card portfolio as a whole.

By Callahan & Associates | Oct. 1, 2008

The landscape for the credit card processing market for credit unions is changing as new options are developed for the industry.

By Callahan & Associates | Oct. 1, 2008

By Callahan & Associates | Oct. 1, 2008

By Claire Dayrit | Sept. 29, 2008

Similar to the strong real estate lending activity, credit cards are benefiting from their position as balance sheet lenders.

By Nick Connors | Aug. 25, 2008

As of June 2008, member business loans are the fastest growing loan category for credit unions. Annual growth reached 18.1% in June for a total outstanding balance of $24.6 billion.

By Primax Payments | Aug. 18, 2008

Now is not the time to cut back on your credit card program, but there are ways to maximize ROI and minimize risk.

By Nick Connors | July 28, 2008

Credit unions enjoy a historical strength through their affiliation with organizations that are integral to their members' lives. The affiliation may be through the company they work for, a military branch, or an organization they are associated with. One way to reinforce this affiliation is through an affinity credit card that is branded with the credit union's logo, but also contains imagery rel

By Nick Connors | July 28, 2008

A+ Federal Credit Union ($554M in Austin, TX) had been considering a card portfolio sale for several years before actually moving the process forward. Our program was very basic. We had the classic and gold card, but no platinum or rewards program, says Kerry Parker CEO of A+ FCU. The management of A+ knew that in order to reinvigorate the program they would need to invest a significant amount of

By Nick Connors | July 28, 2008

When should you keep or sell your card portfolio? LA DOTD FCU was considering selling. Here's how they examined their portfolio to make the best decision for the credit union and members.

By Nick Connors | July 28, 2008

Many credit unions have added a rewards structure to their credit card program as a way to remain competitive with other large financial institutions. Although credit card rewards programs are becoming more common, a much smaller number of credit unions have implemented similar rewards strategies for their debit card program. For those that have however, the results speak for themselves.

Partner Perspective
Penetration Woes!

By BALANCE | July 21, 2008

Credit union credit card portfolios are typically under-penetrated. Learn what your credit union can do to help increase your credit card penetration.

By Lydia Cole | July 21, 2008

Revitalizing a static card portfolio requires careful due diligence to achieve success. Competing with the massive marketing budgets of large financial institutions, credit union must clearly understand their membership and respond promptly to member needs.

By | July 7, 2008

Credit union members receive over $1M in rebates through the efficient payment and purchasing Visa card solution.

By Callahan & Associates | July 1, 2008

In un-charted times such as today, credit unions must work together to overcome current challenges and continue to be the most trusted provider of financial services in the nation.

By Lydia Cole | June 30, 2008

The current economic environment is affecting the credit card market in a unique way. With a declining rate environment and increasing concerns about asset quality, credit unions have an opportunity to demonstrate the value of their credit card.

By Mike Werstuik | May 12, 2008

The Fed’s just-released March Senior Loan Officer Opinion Survey reported banks are continuing to tighten mortgage lending standards. Meanwhile, credit unions are reporting double-digit increases in mortgage volume.

By Denise Senecal | Feb. 18, 2008

Credit union members say that increasing savings and reducing debt are critical priorities for the coming year. Helping members not only identify appropriate goals, but track their progress towards these goals is a key opportunity for credit unions in 2008.

By Mike Werstuik | Feb. 4, 2008

With banks pulling back from small business lending as a result of the credit crunch, credit unions have an opportunity to build relationships with their members in this area. What issues will arise along the way to offering business services and accounts?

By Mike Werstuik | Jan. 14, 2008

In an increasingly competitive environment, the account services that small businesses require are growing. Credit unions must ensure all of these needs are met in order to grow the relationship with the business.

By Lydia Cole | Dec. 17, 2007

A new program partners financial insitutions and United Way in order to facilitate members' charitable giving per debit or credit transaction.

By Nick Connors | Nov. 15, 2007

One of the many challenges of running a business of any size is properly allocating and managing corporate purchases. Although company checks and business credit cards have long been the standard form of payment among businesses, many companies are now turning to procurement cards as a fast, efficient, and cost-saving measure.

By Lydia Cole | Oct. 22, 2007

Callahan & Associates’ mid-year 2007 Non Interest Income Survey reveals changes in the composition of this important revenue stream.

By Mike Werstuik | Oct. 1, 2007

With federal regulators continuing to put pressure on credit card issuers, credit unions are being recognized for their customer service levels and trusted products.

By Jay Johnson | Sept. 3, 2007

Second quarter data shows that credit unions continue to be a steady resource for members as other lenders pull back from the market.

By Debra Sondak | Aug. 7, 2007

As Baby Boomers age, so do their offspring. The target customer for financial services institutions and credit card companies is someone between the ages of 15 and 24 – the teenager.

By Seena Faqiri | Aug. 6, 2007

Eastern Financial Credit Union re-enters the credit card market and issues over 10,000 new cards in one year.

By Debra Sondak | May 21, 2007

Affinity relationships have the ability to bolster a credit union’s card portfolio. Learn how one credit union leveraged its affinity relationship into a 41.3% credit card penetration and a 9.58% 12-month credit card loan growth.

By Debra Sondak | April 30, 2007

Are affinity cards another way to continue credit unions’ double-digit credit card growth momentum?

By Jay Johnson | March 12, 2007

Double-digit growth in the credit union credit card portfolio is well ahead of banks’ results for 2006. Given recent headlines, consumers may be looking at more than just rates when choosing a card.

By Molly Francis | Feb. 26, 2007

Credit union credit card growth outpaced all other finanical institutions in 2006. They are recapturing the card business by providing more trusted value.

By Jay Johnson | Feb. 26, 2007

Year-end results for both credit unions and FDIC-insured institutions reveals that credit unions performed well versus their larger competitors in key categories.

By Paris Ward | Jan. 15, 2007

A quick Callahan & Associates office poll uncovers interesting trends regarding not just what people use in their wallet, but why.

By Bucky Sebastian | Jan. 1, 2007

Credit card abuses have become increasingly outrageous. Credit unions need to re-emphasize their commitment to fair, reliable credit meant to help people’s financial lives, not pick their pockets for stockholder profit.

By Gene Foley | Nov. 13, 2006

Credit card practices by the big six private issuers are scandalous. This creates a unique opportunity for credit unions to step in as the “men in the white hats” and devise a credit card that is really meant to help working men and women.

By Molly Francis | Oct. 23, 2006

As credit unions refocus on their credit card portfolios, they have not only increased balances, but also taken market share from competitors.

By Paul Seizert | Sept. 11, 2006

Growing at nearly four times the rate of banks’ card portfolios, credit union credit card loans are gaining momentum.

By Randy Karnes | Sept. 11, 2006

Randy Karnes shares his thoughts on the importance of credit cards and the opportunities they represent when managed well.

By Molly Francis | April 10, 2006

With credit union losses totaling $100 million dollars from credit and debit card fraud in 2005, securing member identity is definitely keeping credit union executives up at night.

By Molly Francis | March 27, 2006

Credit unions use a more proactive approach in extending lines of credit, leading to the fastest credit card balance growth in five year.

By Joe James | Dec. 5, 2005

The frenzied shopping that takes place between now and Christmas should bode well for credit unions. Find out the impact that credit card purchases during the holiday season have on credit union balance sheets.

By Andrew Creedon | Oct. 24, 2005

As credit unions face slimmer margins, non-interest income growth continues at a double-digit pace.

By Joe James | Oct. 10, 2005

With rising gas prices and other economic uncertainties, people are turning to credit cards to help cover their expenses. Find out how much of an effect this has had on the credit union movement.

By Annie Sebastian | Sept. 19, 2005

Turning around a card portfolio is possible. As Community First Credit Union highlights, devoting time and energy to a program can deliver results.

By Annie Sebastian | Sept. 5, 2005

In the competitive credit card market, creating the right incentives to become the preferred top of wallet card for your members is critical

By Andrew Creedon | Aug. 8, 2005

Credit card portfolio growth is slowing amid continued portfolio sales while member balances are rising.

By Scott Homa | May 23, 2005

Between common-interest affinity programs, low rates, and monthly cash back rewards, Pentagon has clearly put the member first in credit card lending.

By Scott Homa | May 2, 2005

DuPont Community Credit Union ($486m) had a goal of increasing credit card loans by $4.8 million in two months but surpassed it in only two weeks.

By Callahan & Associates | Nov. 22, 2004

Second Quarter 2004 rankings by Credit Card Penetration: View a graph of industry trends and a leader table of the top 50 credit union performers.

By Sara Wolfe | Nov. 8, 2004

Bull's Eye Credit Union has realized over 50 percent growth in its credit card loans last year. Find out the top ten credit unions by credit card growth and the secret to success for Bull's Eye.

By Sara Wolfe | Oct. 25, 2004

Credit card portfolios can be a strong product for credit unions with an aggressive strategy. Despite the recent decline in members holding credit cards, more consumers will be turning to credit cards for their purchasing needs now that Check 21 is in effect.

By Joe James | May 17, 2004

Over the past four years, credit balances among credit unions have had minimal growth because of credit unions selling their credit card portfolios and choosing to gain a short-term earnings increase. However, on a Callhan’s webinar this past Wednesday, three credit unions showed that credit card programs can be successful if a credit union can develop innovative marketing strategies and is willing to put in the legwork necessary to increase credit card penetration among members.

By Chip Filson | June 1, 1999

At a recent planning session I attended, the loan officer talked about the decline in the credit card program from 26% of the total loan portfolio to just over 22%. In addition to this loss of outstandings, the delinquency had risen almost threefold in the last two years. The credit union's analysis showed that the best members were being lured away by very targeted offers from large credit card specialty companies such as Providian, First USA and MBNA. The credit union had a one-size-fits-all product that did not meet the needs of its better-qualified members. The credit union, I suggested, was getting "delled" by the competition.