Tennessee Credit Union League and CU Services, Inc.

1.  Planning Facilitation

Highly trained Consultants assist management and boards of directors with operational and strategic planning to help the credit union gain a more thorough knowledge of their strengths and weaknesses and to address the future with confidence. From formal planning a credit union achieves: -written prioritized listing of the most important areas of needed improvement in the credit union;
-an analysis to determine why some of these needs are not currently being met together with proposed solutions for each problem identifed;
-detailed plans of action & responsibility assignments
-a rational basis for review and feedback on progress toward goals

Benefits:
- Makes on-going credit union operations easier by identifying desired results of all operations
- Increases job satisfaction as board members and staff work together to achieve common goals.
- Saves the credit union money by providing for planned, budgeted expenditures, eliminating costly, seat of the pants management.

Criss Browning, Director Credit Union Development, Ext. 155
Sheila Franklin, Account Executive, Ext. 157
Fred Robinson, Vice President, Ext. 133

Kevin Denver, Director Member Relations, Ext. 143

2.  Consulting

Trained Consultants are available to work with credit unions on specific technical and operational issues including lending, marketing, policy development, human resource issues, field of membership expansion, budgeting and other issues faced by credit unions on a daily basis.

Geraldine Cardwell, Executive Vice President/CFO, Ext. 117
Sheila Franklin, Account Executive, Ext. 157
Criss Browning, Director Credit Union Development, Ext. 155

Kevin Denver, Director Member Relations, Ext. 143

3.  Business Development

Trained Consultants work with credit unions to implement new services and enhance existing ones.  They are available to help credit unions analyze needs and to recommend other resources.  Alliances and relationships have been established with service providers that help credit unions bring new products to market.  League personnel remain involved to ensure a consistent level of service and timely delivery of products.  Experts are available to assist in budgeting and Strategic Planning.

Geraldine Cardwell, Executive Vice President/CFO, Ext. 117
Sheila Franklin, Account Executive, Ext. 157
Criss Browning, Director Credit Union Development, Ext. 155

Kevin Denver, Director Member Relations, Ext. 143

4.  Member Surveys and Focus Groups(through CU Market Research)

League member credit unions can have completely customized and affordable credit union member surveys and other market research projects through CU Market Research. Products include:

Mail Surveys     Web Surveys     Focus Groups     Comment Summaries     Marketing Planning

Every project is built to obtain the member feedback clients need for decision-making.
Every client receives a complete analysis with recommendations for change.
CU Market Research consults with clients to help develop their marketing plans.A statistically valid member survey should be included as a major component of a credit unionís strategic planning process. Most survey clients choose to benchmark their member satisfaction scores, market share data and demographics for comparison in future survey projects. Research may be conducted every year, but most credit unions want new research every two-five years, depending on the amount of change that occurs in services, service delivery, and consumer behavior. A member survey benefits the credit union in these ways:

-makes money by increasing member awareness and usage of CU services.
-saves money by directing marketing dollars toward best opportunities for increased business.
-saves time by pinpointing needs for management decision-making
-improves vision of the future for more effective planning
-improves image by involving members in their credit union
-educates members about the credit unionís services.

David Wilson, CU  Market Research, 423-503-3672

1.  Newsletter Development for Small Credit Unions (through D & P Creative)

D & P Creative provides generic newsletters with space available (one-half page) for customization, if desired, for small credit unions at a very affordable price.  The newsletter is titled Money Matters - Financial News for Credit Union Members  and is produced on a quarterly basis.

Benefits:

-Saves money for the credit union through discounted rates.
-Increases revenue through increased usage of CU products and services.

Criss Browning, Ext. 155
Barry Currin, D & P Creative, Cleveland, TN, 423-618-3219

2.  Credit/Debit Card Services (through Illinois Credit Union League Service Corporation)

The National Apollo Program is a credit card program designed for smaller credit unions ($1 - $10 million in assets) that will issue at least 50 cards.  This program is serviced through the ICUL Service Corporation, a subsidiary of the Illinois Credit Union League.  Apollo offers all the advantages of VISA/MasterCard: convenience, worldwide acceptance, and economic rewards to the issuing credit union.  ICUL Service Corporation provides complete back-office processing service.  Additionally, the cuCASH and cuCHECK programs provide a cost-effective way for smaller credit unions to offer debit cards priced on a per account per month basis - not on the number of transactions (with no minimum processing).

Benefits:

-Increases credit union profitability through increased loan volume without a lot of work
-Increases member convenience is accessing their accounts.
-Enhances image of credit union to its members

Criss Browning, Director Credit Union Development, Ext. 155
Sheila Franklin, Account Executive, Ext. 157

3.  Scholarship Assistance

The Herbert Ellison Memorial Scholarship Fund was developed to assist small credit unions in furthering the education of their employees and volunteers related to credit union philosophy, management, and operations. Scholarships are available to small credit unions for attendance at the Southeastern Credit Union School, Certified Credit Union Executive Programs, CUNA Schools, and other educational opportunities.

Geraldine Cardwell, Executive Vice President/CFO, Ext. 117

1.  Board Training

Individual credit union training is available to educate board members on their duties and responsibilities.

Criss Browning, Director Credit Union Development, Ext. 155

Sheila Franklin, Account Executive, Ext. 157

Kevin Denver, Director Member Relations, Ext. 143

2.  Teller/MSR Training

With constantly changing rules and regulations affecting credit union operations and staff turnover, it's imperative that front-line staff receive the necessary training to stay current and provide the best customer service possible while protecting the interests of the credit union.  Customized In-house teller training is available to help you meet your specific training needs.

Sheila Franklin, Account Executive, Ext. 157

Kevin Denver, Director Member Relations, Ext. 143

1.  CU Succeed teen financial network (through New Mexico Credit Union League)

With credit union membership under the age of 24 at alarmingly low levels, it's crucial that credit unions begin to recruit younger members. CU Succeed™ will help you do just that - easily, effectively, and affordably!  It is designed to appeal to teens between ages 13 and 18.  This innovative program features full-color print materials at unbeatable prices as well as a state-of-the-art website and cutting-edge e-mail capabilities.  The program is completely turnkey, so it's easy for credit unions to participate. 

Benefits

-increases membership

-makes money by increasing usage of credit union services
-saves money by directing marketing dollars toward best opportunities for increased business
-educates teens with financial education and increases awareness of the credit union difference

New Mexico Credit Union League

800-366-6628

2.  Marketing/Printing/Forms/Graphics/Promotional Materials

      (through Print Resources, Inc.)

Whether you need to assess your credit union from your members’ perspective, grow membership or increase product penetration among existing membership Print Resources, Inc. has the expertise.

Member Experience Assessment: An examination of your credit union from the member perspective in three major areas: product touchpoints, human touchpoints and system touchpoints (“touchpoints” are points of interaction between the member and the credit union). Through secret shopping, focus groups and member surveys you will learn how your members perceive your credit union. Results of this assessment are valuable for strategic planning.

Campaign Development/ Creative Services: Distinguish yourself from the competition! Our expert creative team will design, create and manage your graphics, promotions and campaigns aimed at achieving tangible results. The range of services include: television and radio production, web site development, branding, printed materials and promotional items.

Full Service Printing: Offering full service, worry-free commercial printing, business forms and products.

Print Resources, Inc., in cooperation with Financial Marketing Group (FMG) provide credit union specific marketing and printing services to help your credit union grow. We’ve been serving credit unions for more than 20 years and have more than 25 years experience in the printing industry. Together, we are committed to results and dedicated to excellent service. We hope to hear from you!

Rocky Stewart, President
Phone – (888) 871-8970
Fax (205) 879-8020
e-mail: rocky@printresourcesinc.com

3.  Theme Park Tickets on Consignment (through Kentucky Credit Union League )

Discount theme park tickets are available to a variety of popular theme parks, including Dollywood, Splash Country, Kings Island, Kentucky Kingdom, Graceland, Louisville Zoo, Cincinnati Zoo, Nashville Shores, Newport Aquarium, Venture River Park, Seaworld of Florida, Busch Gardens of Williamsburg, Universal Studios, Knoxville Zoo, and others.  Tickets are available on consignment.  This means you do not have to pay for your tickets up front, and you'll only pay for the tickets you sell throughout the year.  At the end of the year simply return all unsold tickets.  Order only the tickets you wish to offer to your members.

Benefits:

-Enhanced member service
-Provides opportunity to cross sell other services

Jim Feldkamp, Director Product Marketing, Kentucky Credit Union League, 800-333-5285, Ext. 217

4. Visa Gift Cards (through Illinois Credit Union League Service Corporation)

Non-reloadable Visa gift cards are a great gift idea for graduations, birthdays and around the holiday season and can be used at millions of Visa merchants worldwide.  The instant issue Visa Gift Card Program has a minimum of paperwork, no one-time start up costs and no monthly costs to your credit union.  Credit unions can order as few as 25 cards and mark-up the fee to generate income for the credit union when members purchase a card.  Cards are shipped to the credit union inactive and have a two-year expiration date on them.  When a member purchases a card, you simply go to a secured internet site and activate the card by loading a dollar value of the card purchased.  Members can start using the card within a 24-hour time period, and your corporate account will be settled the following day for that dollar amount.  No accounting entries to worry about! 

Benefits:

-Enhanced member service and satisfaction

-Ease of operation of the program

-Provides a competitive advantage for the credit union
-Provides opportunity to cross sell other services

-Provides income to the credit union

Criss Browning, Director Credit Union Development, Ext. 155

Leisa Massingill, EFT Specialist, Ext. 123

Jamie Conrad, ICUL, 630-983-3485

http://www.iculsc.com

5.  Office Solutions (through OfficeMax)

With OfficeMax, you get a complete range of office products, office papers, furniture, technology products, and print and bindery services - with discounts of up to 75% for credit unions.  Select from more than 100,000 office and technology products.

Benefits:

-Reduced cost of operations

-High quality products & services

-Seamless access to all your office needs

Kevin Denver, Director Member Relations, Ext. 143

CUNA Strategic Services (Operations, Sales & Service) 800-356-8010, press 3

1.  ATM Network Membership (through CO-OP Financial Services )

Membership in CO-OP Network entitles credit union cardholders access to 25,000 surcharge-free ATMs nationwide, including 6,000 that accept deposits.  CO-OP Network grants cardholders access to surcharge-free ATMs virtually anywhere in the country and, through links to almost every national and regional network, they'll actually have access to more than 800,000 ATMs worldwide.  Through CO-OP Network, Tennessee credit unions have an opportunity to build a state-wide,, credit union owned, surcharge-free network that eliminates many of the hassles that accompany the administration of local surcharge-free networks.

Benefits:

-Provides convenience to credit union members in accessing their accounts.

-Reduced cost through special pricing for Tennessee credit unions
-Credit Union owned network

Kevin Denver, Director Member Relations, Ext. 143

Criss Browning, Director Credit Union Development, Ext. 155

Sheila Franklin, Account Executive, Ext. 157

2.  ATM Equipment & Supplies(through Diebold & CUNA Strategic Services)

Diebold, Inc.,  designs, manufactures, sells and leases ATMs and cash dispensers worldwide, bringing credit unions ongoing access to leading edge technology.  Credit unions can receive discounts of up to 13% on all new and full function ATM terminals and up to 15% savings on a complete line of ATM supply and security products.

Benefits:

-Saves the credit union money & provides dependable equipment & service

CUNA Strategic Services, 800-356-9655, Ext. 4290

Shared Service Center Network (through CU Service Corporation)

CU Service Centers are a unique cooperative service for credit unions which provides ìbranch officeî services to their members on a cost-sharing basis.  The Service Centers are electronically linked allowing members of participating credit unions to use any Service Center location in the network to conduct business as if they were at a branch of their own credit union.  A credit union with an under-utilized branch office may open one or all of its locations as an "Outlet" to serve members of credit unions that participate in the CU Service Center Network while reducing their overhead costs of operations.  Credit unions may participate as a "User Only" or as an "Outlet Owner - User".

Benefits:

-Increased profitability that results from increased access to credit union services through additional locations and more hours of service
-Increased membership penetration from family accounts
-Rentention of members that move out of state or relocate.
-Cost reduction for facilities and human resources

Sheila Franklin, Account Executive, Ext. 157
Geraldine Cardwell, Executive Vice President/CFO, Ext. 117

Kevin Denver, Director Member Relations, Ext. 143

Shared Branching Video

1.  Debit Card Services (through Fidelity National Information Services (FIS))

FIS provides easier and more complete access to checking accounts through their low-cost, off-line debit card program for credit unions.  Debit cards also provide ATM access for credit unions through Visa.  All back-office functions are handled by FIS.

Benefits:

-Increased member convenience in accessing accounts at the credit union
-Can be used as a low cost ATM program for credit unions that can not afford a full-fledged ATM program.

Criss Browning, Director Credit Union Development, Ext. 155
Sheila Franklin, Account Executive, Ext. 157
Leisa Massingill, EFT Coordinator, Ext. 123
Note:   See Small Credit Union Services for additional Debit Card information.

2.  Prepaid Reloadable Debit Cards (through Illinois Credit Union League Service Corporation )

Through the CUMONEY program, prepaid reloadable debit cards carry the VISA logo on the front of the card and cardholders can add value to the card at anytime.  In addition to the 20 million VISA locations worldwide, the reloadable cards also work at ATMs and merchants anywhere you see the Plus or Interlink (pinned based pos) networks.    Under this program the credit union has no liability and no fraud exposure.  The card can be branded with the credit union logo.    Even if the credit union does not offer share drafts, you can offer your members CUMONEY.  It is also a good alternative for members that do not qualify for a debit card. 

Benefits:

-Increased member convenience in accessing accounts at the credit union
-No liability or fraud exposure

-Additional income opportunity for the credit union

-Gives the credit union a competitive advantage

-Provides account access for members who do not qualify for a debit card

Criss Browning, Director Credit Union Development, Ext. 155
Sheila Franklin, Account Executive, Ext. 157

Note:   See Small Credit Union Services for additional Debit Card information.

1.  Credit Card Services (through Fidelity National Information Services (FIS))

FIS offers a turnkey solution to credit card processing with availability of all MasterCard and Visa products.  FIS handles all back office functions, including accounting, security services, charge backs and customer service.  Credit unions can offer easy unsecured credit to their members while increasing  member convenience and credit union profitability.

Through the Self-Administered Program, larger credit unions can handle their own back office functions with FIS providing training and technical support.  With Internal Credit Card programs, credit unions perform their own credit card data processing in-house with support from FIS.

Benefits:

-Increases profitability through increased loan volume
-Eliminates the ìheadacheî in administering a credit card program.
-Reduces cost and complications of upgrading a card program as volume increases
-Reduced cost through local training
-Improves member perception of the credit union

Criss Browning, Director Credit Union Development, Ext. 155
Sheila Franklin, Account Executive, Ext. 157

Note:   See "Small Credit Union Service" for additional Credit Card information.

2. Mortgage Services (through Greentree Mortgage Company L.P. )

Greentree Mortgage Company L.P. offers over 250 mortgage programs targeted to the credit unions.  Programs include traditional fixed rate and adjustable loans, Alt-A loans, Government backed loans, including FHA, distressed credit programs, pre-qualification/pre-approval programs, and much more.  Through their Affinity Program, Greentree supplies the credit union with a variety of marketing materials to spur the member to call to inquire about mortgages, programs, and pricing.  With Greentree's Affinity Retail program, their mortgage consultants assist the member directly and obtain all necessary information.  Greentree processes, underwrites, commits and closes the credit union member's mortgage on behalf of the credit union. 

 With Greentree’s Affinity Wholesale program, the credit union loan officers manage the needs of the member and coordinate directly with Greentree to facilitate the closing.  With a “Service First Approach”, and commitment to being a long-term mortgage partner, contact Greentree Mortgage Company, L.P. for all of your mortgage fulfillment needs.

Benefits:

-Increases credit union image as a full-service financial institution
-Eliminates the headache in administering a mortgage program.
-Relieves possible pressures from regulators concerning mortgage lending practices
-Increases income to the credit union

Criss Browning, Director Credit Union Development, Ext. 155
Sheila Franklin, Account Executive, Ext. 157

Kevin Denver, Director Member Relations, Ext. 143

Steve Von Mann, Greentree Mortgage Company L.P., 615-397-3091

3.  Business Lending Program (through Newtek Small Business Finance (NSBF)

By working with Newtek's SBA lending Subsidiary - Newtek Small Business Finance (NSBF), credit unions can immediately offer member business loans without the added expense of hiring staff, having capital available, insalling software, upgrading systems or leanring Small Business Administration (SBA) rules. Credit unions can provide business members with access to SBA loans as small as $25,000 or as large as $2 million to expand or renovate facilities; purchase machinery equipment, fixtures and leasehold improvements; finance receivables and augment working capital; refinance existing debt, construct commercial buildings; and purchase land or buildings.

All the credit union has to do is refer the loan - Newtek will do the rest.. An NSBF financial consultant gathers all the information from the borrower and inputs it into the applicastion.  NSBF then underwrites, closes, funds and services the loan.  Closing can occur at the credit union, and the member may make payments from his/her credit union account.

Some credit unions prefer to participate in or fund the loans, while others may wish to conduct underwriting and/or servicing in-house.  NSBF's program accommodates your credit union's wishes,, whatever your interest or capacity.

Benefits:

-Strengthens credit union/member relations

-Can be quickly implemented and Newtek's online referral system makes passing referrals simple

-24-hour access to detailed status reports

-No cost for utilizing the program

-Newtek provides staff training

-Credit union earns 50 basis points on the gross loan amount when a referred loan closes

David Hertz, Newtek, 225-612-2143

Brian Gagnon, Newtek, 225-612-2144

http://www.cusmallbusiness.com

4.  Merchant Processing Program (through Newtek Small Merchant Solutions)

Credit unions now have the ability to offer their members a variety of electronic payment options.  When a credit union develops a strategic alliance with Newterk Small Merchant Solutions, their business members can access a complete menu of payment acceptance solutions, including:  credit and debit card acceptance - MasterCard, Visa, American Express, Diner's club, pin-based debit cards and signature-based debit cards; check conversion into Automated Clearning House (ACH) transactions; ACH processing; e-commerce services; and, electronic gift and loyalty card programs.

Benefits:

-Strengthens credit union/member relations

-No cost for utilizing the program

-Newtek provides staff training

-credit union earns one-time and recurring fees for every member who opens a merchant account

David Hertz, Newtek, 225-612-2143

Brian Gagnon, Newtek, 225-612-2144

http://www.cusmallbusiness.com

1.  Compease Automated Compensation System (through KG & Associates)

KG & Associates offers an automated performance-based salary compensation program called Compease.  Compease  provides an affordably priced management tool that assist credit unions in developing a compensation program that is competitive within the labor market and industry and fair and equitable within the credit union without being time-consuming and subjective.  Compease operates in a Windows-based computer software program that can be installed in 2 days or less by our compensation experts.  It includes programs for developing job descriptions evaluating jobs, managing individual compensation, developing salary plans and budgets, and merit increase modeling tools.

Benefits:

-Increases staff moral through a fair and equitable compensation system that eliminates subjective decision making.
-Retains staff by compensating at a level commensurate with the local wage level for comparable jobs
-Saves time in budgeting and decision-making

-Affordable for every credit union regardless of size.
-Cost savings through free training and installation at the credit unionís site.

Sheila Franklin, Account Executive, Ext. 157
Clinton Koker, KG & Associates, 800-897-3308

2.  Human Resource Consulting (through SESCO)

SESCO is one of the nation's oldest and largest management consulting firms that assists credit unions with human resource and personnel issues and keeping up with the most recent changes in employment related laws.  For one low monthly fee, credit unions can have access to unlimited telephone, fax, and research consultation with Human Resource experts.  On-site visits are also available for review, analysis and professional recommendations on personnel systems, policies, work rules, employee handbooks and compliance with state and federal employment laws.  SESCO provides a free monthly HR publication to League member credit unions.

Benefits:

-Provides peace-of-mind that policies and procedures are up-to-date and in compliance with regulatory authorities
-Free monthly publication providing helpful HR information
-Reduces risk  of lawsuit by taking  ìguess-workî out of handling difficult employee issues
-Saves time be eliminating lengthy research
-Saves money through low-cost monthly fee as opposed to having internal expertise or using other outside consultants

Joel Cullum, Staff Consultant, Bristol, TN  423-764-4127

Audit & Financial Services (through Hiram Hollifield, CPA)

Hiram Hollifield, CPA, specializes in providing high quality, affordable Opinion Audits, Supervisory Committee Audits, Internal Audits, budgeting assistance, bank reconciliations, member account verifications, Form 990 Preparation and other financial assistance to credit unions which meet or exceed regulatory requirements and ensure member confidence in the credit union.

Benefits:

-Satisfies statuatory, regulatory and insurance audit requirements
-Reassures the board of directors of proper management
-Strengthens member confidence

-Saves money with additional credit union staff involvement in the audit process
-Improves operating safety and soundness
-Improves operating efficiency

Hiram Hollifield, 423-899-2425, Ext. 130

1.  Overdraft Privilege program (through John M. Floyd & Associates)

Overdraft privilege is a service that can help members who overdraw their transaction account.  overdraft privilege is subject to preset dolar limits and certain other conditions.  Your credit union continues to collect the customary fee for each overdraft item, while protecting your members from the credit and debit bureau problems, merchant fees, and potential embarrassment associated with returned checks and ACH items. 

Importantly, by providing a safety net for your members, your credit union may also save them from having to seek extra funds from friends, family, or not so benign sources.  Overdraft privilege offers your members overdraft coverage without a binding obligation between the credit union and the member.  Your organization retains all rights and privileges to pay or return checks.

Benefits:

-easy implementation

-strengthens member satisfact

-increases fee income to credit union

Criss Browning, Director Credit Union Development, Ext. 155

Sheila Franklin, Account Executive, Ext. 157

Kevin Denver, Director Member Relations, Ext. 143

Ed Juskowski, Regional Director, JMFA, (877) 704-5192  

2.  Share Draft Printing (through Harland/Liberty)
Harland provides the printing of share drafts and voucher checks to credit unions.  They have a dedicated credit union division serving credit unions, offering the best in world-class, quality service, technology, operational resources, and marketing support to credit unions and their members.  Harland is also committed to providing members with the ultimate in security features making the checks the safest you can write.

Benefits:

-Increases credit union income as volume grows
-Enhances the credit unionís image among members with professional service delivery.
-Saves credit union time by increasing efficiency through management reports.

CUNA Strategic Services (Operations, Sales & Service) 800-356-8010, press 3