Operations
Advantage
ADVANTAGE, powered by JMFA. For decades, CUNA Strategic Services provider ADVANTAGE has helped credit unions to better serve their account holders with a fully disclosed overdraft solution – including the industry’s only 100% compliance guarantee – and to save on vendor contract negotiations. ADVANTAGE continues to be one of the most trusted names in the industry, and helps you achieve measurable results with proven solutions.
Carefull
Carefull is a PRT (protect/retain/transfer) service for credit unions purpose-built to protect older members, retain deposits, and bridge to the next generation ahead of wealth transfer. It is the first and only digital platform designed to help credit unions protect the daily finances of seniors while assisting the adult children who often support them.
Debbie
Debbie was built with the philosophy that the way to drive long-term financial behavior is by aligning positive incentives between consumers and financial institutions. That’s why Debbie is the first platform to reward and pay consumers to improve their financial habits, like making on-time payments, saving, and spending smartly, all while driving new members to you.
Envisant
Envisant’s comprehensive service creates a seamless solution to payment processing. Their prepaid cards are an easy, turnkey solution to offer members: Minimal or no upfront investment, convenient online ordering and mobile loading, a low per card cost and free marketing tools. Envisant is a subsidiary of the Illinois Credit Union System.
Illuma
CUNA Strategic Services provider Illuma, a Credit Union Service Organization (CUSO), specializes in voice authentication software for call centers. Illuma Shield, their core product, is an easy-to-deploy solution that uses advanced voice recognition technology to replace traditional knowledge-based authentication practices. The net result is enhanced security against fraudsters, elevated member experience and improved operational efficiency for credit unions and their call centers.
Nasdaq Verafin
Verafin is the North American leader in BSA/AML compliance and fraud-detection software. Its behavior-based software helps credit unions protect against fraud and comply with the Bank Secrecy Act, the USA PATRIOT Act, and FACTA Red Flag regulations. Verafin’s software supports a consolidated approach to fraud and AML (FRAML) through a single, easy-to-use solution. That’s why 750 financial institutions, operating on more than 60 core processing systems, choose Verafin’s solution to stay a step ahead of financial criminals, regulations, and examiners.
QCash
QCash, a CUSO, is a fintech firm that is mission-driven to empower financial institutions in their quest to improve the financial well-being of their communities by providing loans to their members in under 60 seconds without the use of a credit score. The QCash platform is the best tool for advancing financial inclusion and access for credit union members.
Agility Recovery
Provides business recovery and continuity services. Agility’s mobile recovery solutions meet the power, space, technology and connectivity needs of credit unions. Agility offers a simple business continuity solution: Within hours of a business interruption, Agility will deliver whatever a credit union needs to get back up and running and connected to their members. Agility’s ReadySuite recovery packages offer varying levels of size and technology as an affordable monthly subscription.
Constant
Constant’s executives, experienced in managing billions in retail debt, grew frustrated with legacy core system constraints and manual operations. They boldly transitioned loan servicing from manual to digital self-service, reshaping the operations landscape. Constant’s mission is to empower members to self-serve online and help credit unions grow through meaningful interactions with their members.
Eltropy
Eltropy is a Text Messaging-based platform that enables credit unions to communicate with members over Text in a secure and TCPA-compliant way. It includes Two-Way Text Messaging, Text Messaging Alerts, Landline Texting, and Group Texting.
Text Messaging technology from Eltropy enhances member experience, boosts member engagement and drives asset growth for CUs.
Eltropy provides a “single solution” to meet all the text messaging needs of a credit union – Lending, Collections, Branch, Sales, Marketing, Service, and Risk Management.
The Eltropy technology provides credit unions with three key values:
- Compliance and security: text messaging compliant with FCC/TCPA regulations and secure information sharing
- IT integrations: out-of-the-box integrations with core systems (like Symitar, Corelation), CRMs (like Salesforce) and other IT systems
- Intelligence and Analytics: built in ROI, member engagement reports and insights to drive business decisions
Equips
Great American has a proven solution for reducing and controlling your existing maintenance service contracts. They will manage your credit union’s equipment service and support costs without compromising equipment performance and uptime.
InterLutions
InterLutions is a wholly-owned Credit Union Service Organization (CUSO) founded in 2015 to provide innovative solutions to the credit union industry and movement.
Its flagship product, I-Care, provides enhanced medical insurance benefits to credit union employees at lower costs. By pooling employees from many credit unions, the volume helps reduce claims risk and volatility of premiums, lowering costs for employees and credit unions. Lower costs and multiple plan options give credit union employees the benefits they deserve.
NewtekOne
Newtek is a premier provider of business services and financial products to small and medium-sized businesses. The company helps credit unions offer a wide variety of business services to members, with no up-front investment in additional staff or infrastructure.
Sharetec
Sharetec is a cutting-edge technology company providing the latest in core processing software. Sharetec’s robust, yet easy-to-use, web-based core includes everything needed to run credit union operations and create an effective digital experience for members.
