Deposits & Payments

Rewards

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 | May 22, 2017

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

By Erik Payne | May 22, 2017

Community Choice has given back more than $6 million in credits and rebates in four years and is the primary financial institution for nearly 70% of members.

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 E.C. Harrison | Sept. 28, 2015

An account that pays members up to $200 a year in merchant rebates plus unlimited cash back rewards on signature-based debit card transactions has helped members at One Nevada ease into new checking options.

By Aaron Pugh | July 1, 2015

Greater Nevada shares seven changes it has made over the past decade that have helped it succeed, no matter how the dice roll.

By Aaron Pugh | April 13, 2015

With more than 7 million potential members to reach and nearly 887,000 current members to stay connected to, BECU isn’t just building a brand, it’s building a beacon.

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 E.C. Harrison | March 9, 2015

A single checking account with automatically applied tiered benefits helps San Francisco Federal Credit Union reach 1,000 new account holders.

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By Callahan & Associates, Inc. | Feb. 23, 2015

Callahan & Associates analyzes checking account penetration data as a part of Trendwatch 4Q 2014.

By Callahan & Associates, Inc. | Feb. 12, 2015

Representatives from Purdue Federal Credit Union describe their innovative My Member Perks rewards program.

By | Feb. 12, 2015

Purdue Federal Credit Union describes its successful member rewards program.

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 Marc Rapport | Jan. 19, 2015

A review of practices that show how and why credit unions are boosting their visibility and viability.

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 Catherine Siskos | Nov. 20, 2014

Purdue Federal’s new rewards program has brought with it an unexpected windfall in deposits.

By Drew Grossman | Sept. 10, 2014

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

By Sharon Simpson | Feb. 3, 2014

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

By Erik Payne | Jan. 27, 2014

First Capital Federal’s rewards program increases loyalty, deepens relationships, and gives back to members who bank with the credit union.

By Aaron Pugh | Oct. 14, 2013

The Pennsylvania institution has struck a balance between growth and stability.

Credit unions can fuel growth by leveraging these key fundamentals.

By Aaron Pugh | July 30, 2012

Grow Financial invests in employee well-being with a smoke-free campus, monetary rewards, and a host of wellness resources.

By Aaron Pugh | June 18, 2012

Paid options can appeal to members if they’re bundled with personalized rewards.

By Aaron Pugh | April 16, 2012

A Southwestern credit union’s long-term wellness program revitalizes employees and contributes dollars to the balance sheet.

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.

By Aaron Pugh | Jan. 10, 2012

Here are six reasons reloadable cards are going mainstream.

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 Wessler | Jan. 2, 2012

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

By Rebecca Wessler | Jan. 1, 2012

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

By Rebecca Wessler | Jan. 1, 2012

Credit unions are turning single-product users into robust cooperative members.

By Rebecca Wessler | Aug. 22, 2011

A Minnesota credit union goes against the grain in offering free checking and rewards points.

By Aaron Pugh | July 1, 2011

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

By Timothy Kolk | July 1, 2011

Are two brands better than one?

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 20, 2011

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

By Aaron Pugh | April 1, 2011

A Washington credit union brings the appeal of mobile-based promotions to financial education.

By Aaron Pugh | March 17, 2011

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

By Callahan & Associates | Sept. 14, 2010

Credit cards are missing the mark in loyalty and rewards.

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 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 Callahan & Associates | July 1, 2010

A practical approach to increasing checking account and debit card profitability in a rebounding economy.

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 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 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

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

No longer just a tool for accessing cash at an ATM, the debit card, especially for younger members, is one of the most frequently used connections a member has with their credit union.

By Lydia Cole | July 20, 2009

Envision Credit Union introduced a unique card reward program to demonstrate the tangible benefits of belonging to the credit union.

By Nick Connors | Dec. 29, 2008

As decoupled debit cards become more popular, your members will likely have questions. What do you need to know to respond to their questions?

By Brooke C. Stoddard | Dec. 1, 2008

A credit union with experience in a troubled region knows how to manage difficulty and is taking advantage of opportunities.

Partner Perspective
Engaging Gen Y Through Cards

The Millennials (Gen Y) are here – all 83 million of them – and they have the purchasing power and influence to change the world. Will your credit union have what it takes to acquire them?

By Callahan & Associates | Oct. 1, 2008

Contactless cards are the way of the future. What are the advantages of offering these cards and what does their future look like?

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 | 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.

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 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 Nick Connors | July 16, 2007

Capital One’s new debit card can link to accounts at any bank or credit union, bringing new competition to the debit card market.

By Tom Geggel | Nov. 7, 2005

Low share growth across the industry was one of the top concerns facing credit unions in 2005. In 2006, credit unions will be challenged to find new deposit strategies.

By Melissa Murphy | Sept. 19, 2005

Developing an effective personnel strategy is a key way to enhance productivity at the branch.

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 Sara Wolfe | Aug. 15, 2005

Credit unions are receiving national recognition as attractive places to work. Incentive programs to motivate and reward staff are a big reason why.

By Mary Royston | Aug. 8, 2005

After discussing Neighborhood CU's community charter strategy, Mark Arnold, SVP, discusses the tactics used to grow members in this Part Two article.

By Melissa Murphy | July 11, 2005

Here are three ways your credit union can generate word of mouth campaigns to encourage and promote member referrals.

By Tom Geggel | June 20, 2005

Many credit unions just issue a debit card to their members with a checking account. Learn how Patriot FCU, University FCU and Citibank structure their programs.

By Annie Sebastian | June 13, 2005

The profitability issue is still contentious for credit unions. As part of this, some consider relationship-based pricing (RBP) contrary to the democratic spirit of credit unions, but for others it a natural part of a cooperative. Digital Federal Credit Union's RBP program demonstrates how to create value without penalizing or segmenting the overall membership.

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 Annie Sebastian | May 23, 2005

There are three primary RBP program structures. To determine the most appropriate for your credit union you need to have set objectives.

By Denise Senecal | Jan. 5, 2004

Two years ago, when SELCO ($516M OR) decided to increase their efforts to communicate with members using email, they discovered that they only had about 200 email member addresses, gathered mostly through their branches. Now their email list has grown exponentially to more than 10,000 names, primarily due to various contests and promotions that they’ve used to convince more members to sign up.