The Association of Tennessee Credit Unions

ATM Surcharge-Free Network

Membership in CO-OP Network entitles credit-union-cardholder 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.

Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org

Anthony Mendez, Sales
909-753-1236
anthony.mendez@co-opfs.org

CO-OP Debit Processing

As the nation’s largest credit union owned and operated EFT network and processor, CO-OP has developed a leading-edge signature and PIN debit processing platform just for credit unions. Coupled with their comprehensive offering of Card Services products, your credit union will have everything it needs to develop a robust debit program.

David Newman, Regional Sales Manager
800-782-9042, ext. 6144
972-467-8726 cell
david.newman@co-opfs.org

CO-OP ATM Processing

Meet member expectations, cope with new technology and keep up with regulations without investing in products you’ll have to staff and maintain yourself. CO-OP ATM Processing takes care of tasks that take up too much of your time, energy and money so you can take care of your members – and grow your business. You’ll get everything you need to run an economical, reliable, leading-edge ATM program at maximum efficiency.

David Newman, Regional Sales Manager
800-782-9042, ext. 6144
972-467-8726 cell
david.newman@co-opfs.org

Construction Consultants

Construction Consultants is a full service design and build firm based in Chattanooga, TN. Their goal is to the take the creative ideas of their clients, combine them with their extensive industry knowledge, and create a building that both can be proud of. They strive to do all this while developing a lasting personal relationship with their clients.

Barry Gilley, Construction Consultants
1416 Fort St., Chattanooga, TN 37402
423-265-4131
barry@design-and-build.com

Prepaid Reloadable Debit Cards

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.

Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org

TravelMoney Card

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The solution to your Members’ Travel Needs As an agent program, LSC has set all the fees on the card and will assume all the fraud risk associated with the program. There is no credit union liability and no credit union fraud exposure. With the Visa TravelMoney Program, your credit union will be able to earn additional revenue by charging a retail fee for issuing the card. Custom programs are also available where your credit union would take on the fraud risk, determine any fees to charge your members and earn the interchange income.

Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org

Visa Gift Cards

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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!

Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org

Credit/Debit Card Services

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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).

Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org

Fidelity National Information Services 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, chargebacks 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.

Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org

Shared Compliance Program
(through Credit Union Resources, Inc. )

Hired, trained and certified, Credit Union Resources; Shared Compliance Specialists divide their time among assigned credit unions. Services provided include the following:

SHARED COMPLIANCE RESOURCES

• Development, management and maintenance of an effective compliance program
• Providing a risk assessment of existing compliance system
• Monitoring and analyzing new and revised laws and regulations
• Training staff and management on current and crucial regulatory issues

For more information, visit www.curesources.coop or contact:

Chad Stanislav, VP Financial & Technology Resources
800-442-5762, Ext. 6461
cstanislav@curesources.coop

Managed IT Security Services, Email Security, and Cloud-Based Email

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BAE Systems (formerly SilverSky) is the expert provider of cloud security solutions. We deliver the industry’s only advanced security-as-a-service platform from the cloud, dramatically simplifying how growth-minded companies secure their most important information.

Cloud-Based Risk Management and IT Security Compliance: IT Governance, Risk and Compliance Software; Information Security Services

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TraceSecurity is a leading provider of IT security compliance, risk, and audit management solutions. A CUNA Strategic Services partner since 2006, the company helps credit unions small and large achieve, maintain and demonstrate IT security compliance, while significantly improving their security posture. TraceSecurity delivers its solutions to credit unions through an integrated Software-as-a-Service (SaaS) platform backed by expert professional services.

Bank Secrecy Act/Anti-Money Laundering and Fraud Detection Software

   
Verafin is a North American leader in anti-money laundering and fraud detection solutions for financial institutions. Its behavior-based software helps credit unions comply with the Bank Secrecy Act, USA PATRIOT Act, and FACTA regulations, while also helping to protect against fraud. Verafin’s software supports a consolidated approach to fraud and AML (FRAML) through a single, easy-to-use solution. That’s why more than 1,300 financial institutions operating on more than 65 core processing systems chose Verafin’s solution to stay a step ahead of regulations and financial criminals.

65% of credit unions evaluate which risks to assume and how to finance them on an annual basis.

We want 100% of credit unions to take this approach, and we’re here to help. You have a variety of risk management tools at your disposal, including expert recommendations and assistance from CUNA Mutual Group seasoned professionals.

With our services you can:

• Identify and manage exposure to unforeseen risks
• Learn about the latest risk threats
• Better control your total cost of risk

HR Performance Solutions

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HR Performance Solutions was founded in 1989 as a provider of practical, effective, and affordable HR solutions and services. These solutions and services include automated applications for employee performance management (Performance Pro), salary administration (Compease), HR compliance, and consulting projects. Their solutions are designed by human resource professionals with decades of experience to be secure, effective, flexible an easy to use.

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.

Bill Ford, President/CEO
423-764-4127
bill@sescomgmt.com

CUNA Mutual Group Investment Products

CUNA Mutual Group Executive Benefits

CO-OP Member Center

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Your members look to you for 24/7 account access, high-quality personalized attention, and quick and efficient lending services. CO-OP Member Center delivers a superior, flexible call center solution for member services and loan services, including by-phone, Internet and indirect lending. Without additional staffing or operational costs, CO-OP Member Center helps you retain members, strengthen lending operations, and grow your revenue.

Jon Knoll, National Call Center Sales Mgr, CO-OP
888-869-5552, option 1, ext. 5629
jon.knoll@co-opmc.org

CUNA Mutual Group Lending Products

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CUNA Mutual Group’s lending products help credit unions build better lending programs. Learn more about the several products offered below.

Private Student Loan and Refinance Programs: Private Student Loans, Student Loan Refinance, and Member Referral Program

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 LendKey is a cloud-based technology company that provides the essential infrastructure for any party to quickly, securely, efficiently, and profitably lend to anyone else. Its platform allows credit unions to affordably set up a full-scale, fully compliant lending operation within weeks, as well as tap into a community of like-minded lenders.

Member Business Services Through a Referral Program: Business lending, health and benefit insurance, merchant processing, payroll services, data storage, and website design, development and hosting.

Newtek Business Services Corp (NASDAQ: NEWT) provides services to more than 100,000 business accounts in all 50 states. CUNA Strategic Service’s alliance with Newtek began in February 2003. Newtek is a solutions provider to small and medium sized business owners through their website thesba.com. The website is a portal for small-business owners who desire market data, intelligence, advice and services.

STELLAR STRATEGIC GROUP, LLC.

Since 2000, Stellar Strategic Group has worked with over 1,600 financial institutions nationwide. Their years of experience growing loans, new memberships and deposits creates a great opportunity to help TCUL members achieve similar goals with The Stellar Auto Loans^SM Program designed to refinance auto loans. This strategy provides a very effective approach to generate new auto loans by educating the consumer about the benefits of refinancing with a credit union.

At the same time, this program creates a positive introduction to your credit union with new prospective members – and a great way to enforce your relationship with existing members. In either scenario, additional incentives are included to encourage more goodwill—both on the loan servicing and the deposit side (for instance, new checking account openings can be as high as 94%).

Your League has negotiated exclusive discounts on this program for all TCUL members, and additional discounts have been created for other products and services offered by the Stellar Strategic Group.

A unique advantage with this approach is the fact that all of your up-front marketing costs are covered. As a pay-for-performance program, Stellar Strategic Group is only successful when a credit union is successfully closing new loans.

From our experience, very few marketing companies are willing to stand behind their program to take on that risk.

Ed Juskowski, Director of Sales
Stellar Strategic Group, LLC.
Ed.Juskowski@stellarstrategic.com
Phone: 813-503-1510

TurboTax

The Love My Credit Union Rewards TurboTax program offers credit union members great discounts on TurboTax products.

You don’t need to be a tax expert to get your taxes done right.

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TurboTax^® translates taxes into easy questions about your life and puts everything in the right forms for you.

• Maximum refund guaranteed
• 100% accurate calculations guaranteed
• Audit support guaranteed

Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org

Visit www.lovemycreditunion.org (CU Support Site)
800-435-2824, Ext. 801

Sprint Program

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Of the three programs being offered through the Invest in America program, Sprint offers the greatest income opportunity to credit unions. Member benefits are available to new and/or existing Sprint/Nextel customers and include: 10% discount on most monthly plans; free activation on new lines and upgrade fees; equipment discounts; and, 20% off accessories.

• Credit Union Members get a $100 cash reward for every new line when they switch to Sprint
• Current Sprint customers will receive a $50 cash reward for every line transferred into Sprint Credit Union Member Cash Rewards
• Plus, get a $50 loyalty cash reward every year for every line

New Benefits for Credit Unions

• Earn more non-interest income with an unlimited performance based payment structure
• Easier to maximize your earning potential, with the ability to track your member sales and activations in the Partner Center
• Access FREE all-new marketing materials to promote the program
• Marketing communications requirements are easier than ever to fulfill and have more options to choose from
• No hassles — cash rewards are directly deposited into members’ credit union account

The program requires only minor marketing effort.

Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org

Visit www.lovemycreditunion.org (CU Support Site)
800-435-2824, Ext. 801

Love To Shop Program

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This program offers discounts to credit union members on “small ticket” products and services from major, well-known companies, such as: Costco; DIRECTV; FTD Flowers; ADT;; and, Allied Movers. More businesses are being added to the list on a regular basis. members are encouraged to use their credit union debit and credit cards to purchase these items.

Benefits:

• Increased fee income from the marketing incentive pool
• Provide added-value to credit union membership
• Free marketing materials

Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org

Visit www.lovemycreditunion.org (CU Support Site)
800-435-2824, Ext. 801

Dr. Connection Benefits

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Dr. Connection Benefits is a Telemedicine Services Company. Telemedicine comprises a national network of U.S. board-certified physicians who use electronic health records, telephone consultations and online video consultations to diagnose, recommend treatment and write short term, non-DEA controlled prescriptions, when appropriate.

Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org

Robert Flowers, Sr., President/CEO
615-771-1740
rflowers@myimpactadvantage.com

CO-OP Mobile

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Now your members can gain real-time access to their account balances, make transfers, and find CO-OP Network ATMs and CO-OP Shared Branching locations rights from their mobile phone.

Unlike competitors’ mobile banking platforms, CO-OP Mobile is integrated into our Next Generation Network (NGN) platform and has been developed to require minimal or no credit union capital investment. CO-OP Mobile is fully streamlined and allows your members to easily enroll for mobile banking, register their supported mobile device, and download CO-OP’s mobile banking application.

Linda Laux, Reg. Sales Manager
CO-OP Financial Services
800-782-9042, Ext. 3464
linda.laux@co-opfs.org

CO-OP My Deposit

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CO-OP My Deposit, with check imaging technology, gives members a credit union “branch” right in their own homes or small businesses! Members can make deposits online simply by scanning and uploading their checks via your credit union Web site, making it easier for them to do business with you. You’ll strengthen your relationship with your members, bringing fast, accurate, anytime deposit services right to their computers.

Korine Patterson, National Sales Acct Executive
CO-OP Financial Services
800-782-9042, ext. 2502
korine.patterson@co-opfs.org

Providing credit union access to your members via their mobile devices is becoming increasingly more important, both for member retention and attracting new members. It is no longer regarded as a competitive edge to offer mobile, but truly a sustainable advantage. Members not only want to view their account balances using their iPhone, iPad, Droid or Kindle Fire, they want to see special offers, request loan information or apply online, along with check deposit capabilities. CU Mobile Apps can do that and more!

Mobile Access: Put a Branch in Every Member’s Hands.

Our Mobile Application creates the connectivity to all the major platforms: Apple, Droid, and Kindle Fire. Members can view and request information, while your credit union communicates directly back to them with free push messages, on their mobile enabled phones. CU Mobile Apps has incorporated the latest cutting edge “App Engine Technology” reinforcing the strategic placement of your credit unions app on all mobile platforms. Add the option of Remote Deposit Capture, and you truly have put a branch in every member’s hand.

Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org

QwickRate CD Rate Finder

Zoe Osborn | Account Executive
QwickRate
PH 800.285.8626, ext 4064  |  DIR 678.797.4064  |  FAX 770.427.7669 |
zoe.osborn@qwickrate.com | www.qwickrate.com

Mobile Recovery Services

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• Power
• Space
• Technology
• Connectivity
• Testing
• myAgility secure online planning portal

Online and Mobile Banking, Bill Payment, Personal Financial Management, and Growth and Retention Services

By applying customer insights and innovation to design its products, Digital Insight provides product and marketing solutions that help credit unions achieve higher member engagement and profitability.

Office supplies, furniture and workspace planning, technology, promotional products, and print services

Together, Office Depot and OfficeMax offer a wide variety of choices for office supplies and paper, technology products and solutions, furniture, and in-store print and document services. Customers are served through e-commerce, direct sales, catalogs, and stores.

Bank Secrecy Act/Anti-Money Laundering and Fraud Detection Software

 
Verafin is a North American leader in anti-money laundering and fraud detection solutions for financial institutions. Its behavior-based software helps credit unions comply with the Bank Secrecy Act, USA PATRIOT Act, and FACTA regulations, while also helping to protect against fraud. Verafin’s software supports a consolidated approach to fraud and AML (FRAML) through a single, easy-to-use solution. That’s why more than 1,300 financial institutions operating on more than 65 core processing systems chose Verafin’s solution to stay a step ahead of regulations and financial criminals.

Overdraft Privilege Program

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 satisfaction
• Increases fee income to credit union

Brad Davis, Regional Director, JMFA
615.339.3026
brad.davis@JMFA.com

Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org

CUNA Mutual Group Retirement Solutions

CO-OP Shared Branching Program

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Few credit unions, regardless of size, have the resources necessary to open and operate enough of their own branch offices to adequately serve their current members and potential members. The CO-OP Shared Branching Program is designed to overcome this by developing a nationwide network of shared branches to provide service more efficiently to all credit unions members. The shared branch locations are electronically linked allowing members of participating credit unions to use any shared branch 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 participating credit unions while reducing their overhead costs of operations.

Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org

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 union’s strategic planning process.

David Wilson
CU Market Research
423-503-3672
davidwilson@cumarketresearch.com

Managed IT Security Services, Email Security, and Cloud-Based Email

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BAE Systems (formerly SilverSky) is the expert provider of cloud security solutions. We deliver the industry’s only advanced security-as-a-service platform from the cloud, dramatically simplifying how growth-minded companies secure their most important information.

Bank Secrecy Act/Anti-Money Laundering and Fraud Detection Software

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Verafin is a North American leader in anti-money laundering and fraud detection solutions for financial institutions. Its behavior-based software helps credit unions comply with the Bank Secrecy Act, USA PATRIOT Act, and FACTA regulations, while also helping to protect against fraud. Verafin’s software supports a consolidated approach to fraud and AML (FRAML) through a single, easy-to-use solution. That’s why more than 1,300 financial institutions operating on more than 65 core processing systems chose Verafin’s solution to stay a step ahead of regulations and financial criminals.

TruStage Insurance Program