Solutions
OUR SOLUTIONS
Discover what's possible.
We were born out of the very credit union system we’re proud to serve. That’s why we offer more than just connections — we provide long-term, strategic alliances. Connecting credit unions with the right solutions, at the right time.
- ADVANTAGE
- Operations
- Deposits
Vendor Contract Negotiations
Contract negotiations can mean big savings, especially when you have an expert by your side. ADVANTAGE Contract Optimizer offers free expert analysis of your current contracts to uncover savings opportunities and improve service levels.
- ADVANTAGE
- Deposits
- Operations
Next Generation Overdraft Privilege®
Increase non-interest income, protect and strengthen revenue – all while delivering better member service with the latest overdraft program innovations. This solution includes up-to-date compliance, process automation, in-depth reporting, and ongoing training designed specifically for credit unions.
- Agility Recovery
- Operations
Business Continuity Planning
Access disaster recovery and business continuity services that are simple, affordable and easy to use. Using the latest technologies, they help make sure your credit union can continue serving your members and community through disasters big and small.
- Amazon Business
- Operations
Prime Plans Built for Credit Unions
Access hundreds of millions of business-relevant supplies from multiple sellers; save time searching for products, negotiating contracts, and reconciling purchases; access discounts on products and supplies, and get a clear picture of your business spend with an Amazon Business account.
- Arkatechture
- Data & Analytics
Arkalytics Data Warehouse
Effectively monitor daily operations and dig deeper into the challenges and opportunities facing your credit union with this fully managed, cloud-based data analytics ecosystem. Arkalytics combines data warehousing, data visualization, and analytical models to enable credit unions to make confident decisions.
- Arkatechture
- Data & Analytics
Data Analytics Consulting Services
Strengthen your credit union’s data management and business intelligence capabilities with top-tier talent from Arkatechture. They’ll work with you to identify gaps in your technical expertise and technology stack required to accomplish your strategic goals.
- Arkatechture
- Data & Analytics
Data Strategy Assessment
Take the first step towards implementing a data analytics solution with a data strategy purpose-built for the organization. This assessment is aligned with your credit union’s strategic goals, key performance indicators, and member experience initiatives, and provides insights and recommended actions.
- Carefull
- Deposits
- Security & Fraud
- Member Engagement
- Compliance
- Market Share
- Membership
Carefull for Members
This holistic suite of solutions safeguards older adult finances with an elder-specific account, identity, credit and home title monitoring, and up to $1 million in identity theft insurance. In addition, younger family members can receive support and education to help navigate the challenges of elder care – helping credit unions gain a “share of family” in addition to share of wallet.
- Carefull
- Membership
- Compliance
- Security & Fraud
- Market Share
- Member Engagement
- Deposits
Carefull for Wealth Advisors
Carefull Pro enables advisors to offer a white-glove experience when providing Carefull’s service to both aging members and the next generation that supports them. Through their wealth advisor, members get enhanced visibility, coordination, and peace of mind that their assets are safe and secure with the same AI-powered service safeguards provided directly to members.
- Casap
- Security & Fraud
Casap
Simplify and shorten the dispute lifecycle with Casap. The platform analyzes transaction data, predicts outcomes, and automates resolution processes, supporting frontline call centers, back-office operations, and fraud and risk management teams.
- CNote
- Deposits
Impact Cash®
CNote provides a cash management solution designed for institutions and corporations to make deposits that drive positive social impact. Those funds are deposited into credit unions via the Impact Cash program.
- Constant
- Loans
- Market Share
- Operations
Income Builder
The sale of loan protection products typically occurs at loan origination, often resulting in missed opportunities for both credit unions and their borrowers. Income Builder enables credit unions to offer extended warranty, GAP, debt protection, auto insurance, and other products continuously throughout the loan lifecycle and in digital banking, ensuring borrowers receive relevant product suggestions, enhancing the likelihood of acceptance, and increasing overall member satisfaction.
- Constant
- Loans
- Market Share
- Operations
Modern Loan Servicing (MLS)
MLS is a fully tailored, white-labeled SaaS platform that automates loan servicing efforts based on a credit union’s specific policies, eligibility rules, and configurations. With more than 25 automated workflows, including due date changes, payoff quotes, payment skips, and even short-term disaster relief plans, credit unions can deploy new features or change policies and rules with no code changes.
- Constant
- Loans
- Market Share
- Operations
Live Agent
With Live Agent, front line employees in the call center or branch can guide members through the same experience that members who self-serve receive, ensuring credit union policies are applied consistently across channels, speeding up response times, and reducing errors.
- Debbie
- Deposits
- Loans
- Membership
- Member Engagement
- Market Share
Debbie Acquire
A new member network where credit unions can source and attract members from ages 25-45. Rather than paying for brand awareness and billboard campaigns, credit unions can optimize their marketing and growth-spend by utilizing Debbie to offer targeted marketing in your field of membership at a fraction of the cost.
- Debbie
- Deposits
- Loans
- Membership
- Member Engagement
- Market Share
Debbie Engage
This Loyalty-as-a-Service program allows you to reward your members for brand loyalty and reaching financial goals through a flexible rewards system that incentivizes deposit growth and delinquency mitigation.
- Eko
- Market Share
- Member Engagement
- Operations
Eko Investments
Eko’s white-label investment platform seamlessly integrates with your digital banking platform so members can start investing with as little as $10 – directly within their trusted credit union app.
- Eltropy
- Member Engagement
- Operations
Unified conversations platform
Eltropy’s holistic AI-driven services enable credit unions to connect with members where they are, switching effortlessly between text, chat, video, voice and screensharing—all in one conversation.
- Envisant
- Operations
Prepaid debit cards
Envisant, a subsidiary of the Illinois Credit Union League, offers prepaid cards featuring fraud prevention services that protect members and reduce losses. Reloadable cards come with tokenization for added security and member convenience.
- FINALYTICS.AI
- Data & Analytics
- Member Engagement
AI-Powered Member Personalization
This solution is designed to help credit unions deliver one-to-one digital experiences that resonate with each unique member. Leveraging real-time data and dynamic segmentation, the platform tailors every interaction – from website content to mobile app messaging – to the individual’s financial goals, behaviors, and preferences.
- FINALYTICS.AI
- Data & Analytics
- Member Engagement
Predictive Analytics and Segmentation
Equip your credit union with deep insights into member needs and behaviors with the Predictive Analytics and Segmentation solution. By examining patterns in transactional data, digital interactions, and demographic factors, this platform can anticipate member journeys, allowing credit unions to proactively address pain points and uncover new business opportunities.
- Goalsetter
- Deposits
- Market Share
- Member Engagement
- Membership
Goalsetter app
Saving and smart spending tools for the entire family, including ground-breaking game-based financial education tied directly to your credit union’s features. The Goalsetter app features youth banking with parental controls to deepen your credit union’s familial ties, engaging financial education to excite young people about credit unions, and “Learn to Earn” milestones to build smart financial behaviors.
- Goalsetter
- Deposits
- Market Share
- Member Engagement
- Membership
Goalsetter Classroom
Complementing the Goalsetter app is Goalsetter Classroom, which offers school systems a one-of-a-kind classroom education program that includes videos, quizzes and a robust curriculum for middle and high schools, mapped to national financial education standards.
- Illuma
- Compliance
- Security & Fraud
Illuma Shield
Iluma’s flagship product is a real-time voice authentication and fraud prevention service for credit union call centers. The platform passively analyzes a member's voice over natural conversation, replacing traditional and intrusive authentication processes like knowledge-based authentication, or KBA (such as mother’s maiden name, social security number, last transactions, etc.). Voice authentication results in higher authentication accuracy in a fraction of the time.
- InterLutions
- Operations
I-Care
I-Care is a collaborative employee benefits solution providing enhanced medical insurance benefits at lower costs. When credit unions join the I-Care community, their employees become part of a larger pool of credit union healthcare users, reducing claims risk and volatility of premiums, lowering costs for employees and credit unions.
- MessagePay
- Loans
- Member Engagement
MessagePay
Payments should be fast and frustration-free. MessagePay helps credit unions boost on-time payments, improve member satisfaction, and stay competitive with seamless mobile options, custom reminders, and automated integrations. By streamlining processes, credit unions can enhance retention and attract new members.
- Nasdaq Verafin
- Compliance
- Operations
- Security & Fraud
Fraud Detection and Management
From abnormal check deposits to high-value international wires, Nasdaq Verafin’s enterprise fraud solutions use machine learning and big data analytics to detect and investigate fraud schemes within a single, cloud-based platform.
- Nasdaq Verafin
- Compliance
- Operations
- Security & Fraud
BSA/AML Compliance and Management
Nasdaq Verafin monitors transactions across multiple channels, leveraging AI and cross-institutional data to identify suspicious activity such as money laundering, human trafficking, and terrorist financing while reducing false positives.
- Nasdaq Verafin
- Compliance
- Operations
- Security & Fraud
High-risk Member Management
With increasing regulatory pressure, Nasdaq Verafin streamlines CDD/EDD processes using AI-driven risk segmentation, improving efficiency and enhancing monitoring of high-risk members.
- Nasdaq Verafin
- Compliance
- Operations
- Security & Fraud
Information Sharing
A secure, centralized platform for 314(b)-registered institutions to share insights, collaborate on investigations, and strengthen financial crime detection across multiple institutions.
- NewtekOne
- Loans
- Market Share
- Membership
- Operations
Branch Cash Advance
A no-cost program providing EMV-compliant systems for credit card cash advances.
- NewtekOne
- Loans
- Market Share
- Membership
- Operations
Payroll Services
A cloud-based payroll and HR platform supporting businesses from 1-250 employees.
- NewtekOne
- Loans
- Market Share
- Membership
- Operations
Merchant Processing
Flexible payment solutions, including POS systems, zero-cost processing, e-commerce, and mobile payments.
- NewtekOne
- Loans
- Market Share
- Membership
- Operations
Data Storage
Secure, off-site backup tailored to credit unions’ compliance needs.
- NewtekOne
- Loans
- Market Share
- Membership
- Operations
Health and Benefit Insurance
Access to health, life, dental, and vision coverage from 50+ top-rated carriers.
- NewtekOne
- Loans
- Market Share
- Membership
- Operations
Business Lending
SBA-guaranteed loans, commercial financing, and accounts receivable lending with no credit risk or added staffing.
- NewtekOne
- Loans
- Market Share
- Membership
- Operations
Website and Marketing Services
Custom web design, development, and digital marketing to help businesses grow online.
- Peacefully
- Deposits
- Market Share
- Member Engagement
- Membership
Life Organization Planning Vault
Peacefully helps credit union members looking to plan ahead with a digital vault to organize all of life’s important details. This includes everything from documenting healthcare wishes, to organizing financial accounts and valuables, to instructions on how to care for a pet.
- Peacefully
- Deposits
- Market Share
- Member Engagement
- Membership
Estate Planning Legal Documents
Peacefully allows members to create necessary estate planning legal documents in all 50 states. By answering a few short questions, members can create a customized will, trust, guardianship designation, and advance directive healthcare and durable power of attorney.
- Peacefully
- Deposits
- Market Share
- Member Engagement
- Membership
Estate Settlement and Bereavement Assistance
Losing a loved one is one of the hardest parts of life. Peacefully offers families practical estate settlement services and empathetic support as they navigate this journey, all made available through their credit union.
- Prisma Campaigns
- Deposits
- Market Share
- Member Engagement
Direct Deposit Switch (DDS)
Prisma Campaigns’ DDS solution simplifies direct deposit transfers from over 450 payroll providers, including gig platforms and government systems, helping credit unions become their members’ primary financial institution.
- Prisma Campaigns
- Deposits
- Market Share
- Member Engagement
Omnichannel Marketing Automation
Prisma Campaigns’ platform enables credit unions to run personalized marketing campaigns across multiple channels (email, SMS, online, mobile banking), strengthening member relationships, and increasing engagement. It streamlines processes and reduces manual tasks through a seamless, integrated solution.
- Ranqx
- Loans
- Market Share
SMB Digital Lending Platform
The Ranqx SMB Digital Lending Platform is a complete origination, decision-making and monitoring service for credit union lenders that are currently, or planning on, servicing the small business market.
- SHARETEC
- Operations
V10 core processing software
From accounting, teller and member services, back-office automation and loan services, Sharetec’s web-based core has the scalable capacity to meet the needs of any credit union. No matter how many branches, members or assets, V10 can accommodate.
- SHARETEC
- Operations
Optional Software Packages
Further enhance Sharetec’s powerhouse core with basic and premium optional software packages. Highlight products include eNotices and eReceipts, automated scripting, courtesy pay, ultimate checking, disaster recovery, remote signatures and Sharetec Internet Banking.
- SHARETEC
- Operations
Open API
With the Sharetec Open API, credit unions can integrate seamlessly with the partners you need most, including MeridianLink, SavvyMoney, Plaid, TranzCapture, Eltropy and more – all with just one password and user ID.
- SilverSky
- Compliance
- Security & Fraud
Managed Security Services
With the acceleration of cyber threats, the effort, skill and technology required for credit unions to stay secure and compliant has become more complex. SilverSky’s managed security services cover managed detection and response, endpoint detection and response, security device monitoring and management, UTM, IDS/IPS, and more.
- SilverSky
- Compliance
- Security & Fraud
Compliance and Risk Services
A strong compliance and risk strategy is essential for credit unions. SilverSky helps assess, manage, and reduce risks while ensuring regulatory compliance.
- SilverSky
- Compliance
- Security & Fraud
Email security
Enterprise-grade email, productivity, and collaboration tools with built-in security, encryption, and compliance protection – all at an affordable price.

- Sparrow
- Loans
- Market Share
- Member Engagement
- Membership
Sparrow
Sparrow turns credit unions into the “Expedia” for private student loans, allowing them to help members find the best rates across 21+ lenders – all within a white-labeled experience that keeps the credit union at the center.
- Tetto 5G
- Operations
Tetto 5G Smartpole with EV Charging
By connecting credit unions with wireless carriers, Tetto 5G monetizes unused property, generating steady income at no cost. Members benefit from faster, more reliable mobile banking, while communities gain stronger digital access.
- TraceSecurity
- Compliance
- Security & Fraud
Risk Assessment and Management
A risk assessment is the ideal starting point for any cybersecurity program. TraceSecurity evaluates your IT environment to identify risks, assess their impact and likelihood, and provide a clear action plan for remediation.
- TraceSecurity
- Compliance
- Security & Fraud
Vulnerability Assessment and Management
A vulnerability assessment involves a scan of your network to identify potential vulnerabilities that an attacker could use to breach your systems. After eliminating any false positives, an analyst will provide recommendations to remediate the identified vulnerabilities.
- TraceSecurity
- Compliance
- Security & Fraud
Penetration Testing
A penetration test goes beyond simple vulnerability scanning by actively attempting to exploit identified weaknesses. Analysts simulate real-world attack methods to access sensitive information within your network. TraceSecurity offers various types of penetration testing, including internal, external, wireless, and application assessments.
- TraceSecurity
- Compliance
- Security & Fraud
Free CSAT / ACET tool
TraceSecurity’s Cybersecurity Assessment Tool (CSAT) is a free, web-based questionnaire based on the NIST framework. It helps you assess cybersecurity preparedness and provides detailed reports with recommendations. Download results in CSAT or ACET format, with optional support services available.
- TraceSecurity
- Compliance
- Security & Fraud
Social Engineering
Social engineering tests the human side of information security. TraceSecurity offers onsite and remote testing, including phishing, vishing, smishing, and physical tests, with optional security awareness training to reinforce best practices.
- TraceSecurity
- Compliance
- Security & Fraud
IT Security Audit
Every company has IT security controls, but the only way to truly test them is through an audit. TraceSecurity experts review your environment, verify controls, and identify weaknesses like missing updates, patches, configurations, or needed solutions.
- TraceSecurity
- Compliance
- Security & Fraud
Security Awareness Training
Employees are essential to your business, but they can also be your biggest security weakness. With most cybersecurity breaches being caused by human error, it's more important than ever for your employees to be aware of the latest cybersecurity threats.
- Wipfli
- Loans
- Operations
- Security & Fraud
Fractional Leadership
Looking to bring in executive experience and insights without the overhead? Wipfli’s team of experts provide top-level strategic guidance, leadership and counsel at a rate and engagement level that meets your credit union’s needs. Reach out to discuss onboarding a fractional:
- Wipfli
- Loans
- Operations
- Security & Fraud
Loan Review Services
Wipfli’s loan review team is comprised of seasoned credit specialists, on-hand to provide consultative services to help credit unions proactively develop best practices and risk management strategies.