Credit union executives understand the challenge: how to engage members who primarily bank elsewhere but still rely on your loan products. CommunityWide Federal Credit Union faced this exact hurdle. With tens of thousands of indirect lending members, their digital app was little more than a loan servicing portal—offering limited value beyond balance checks and payments.

This insightful case study reveals how CommunityWide FCU transformed their mobile app into a true financial super app by integrating Bankjoy’s JoyCompass platform with Plaid’s secure data connectivity. The result? Members now manage their full financial lives in one place, driving deeper engagement and significantly improving retention rates.

Inside, you’ll learn how:

• Providing a unified view of members’ financial accounts—including those held at other institutions helps credit unions compete with third-party financial apps

• Clean, enriched transaction data empowers personalized financial wellness tools like budgeting, spending analysis, and savings goals

• Members who create budgets see a 25% retention lift, while those using spending analysis improve retention by 12%

• Over 18,000 external accounts have been linked, reflecting real member banking habits and unlocking opportunities for relevant offers and trusted relationships

For credit unions with large indirect lending portfolios, this case study offers a proven blueprint to move beyond simply servicing loans, and toward becoming trusted financial partners. Lead your digital transformation with lessons directly from CommunityWide FCU’s success.

Call to Action: Download the CommunityWide Federal Credit Union Case Study now to see how your institution can turn indirect members into highly engaged digital users—boosting retention and deepening member relationships. Fill out the form below to get immediate access.