Credit Unions
Empower your members. Elevate your community.
Unify pricing, offers, and member benefits to recognize the full member relationship and deliver more relevant value while staying true to your mission.
The credit union opportunity
Deliver more value, without the complexity
Credit unions are being asked to deliver more personalized, relationship-driven value, while navigating legacy cores, complex products, and manual processes.
Modernizing how member value is designed and delivered creates an opportunity: respond faster, recognize the full relationship, and maintain fairness and control, without disrupting core systems or increasing risk.
Deliver products and offers that members want
Unified relationship data and composable product design enable teams to define, manage, and deliver offers across products and services
Operate with confidence
Unify product, pricing, and eligibility using governed rules and embedded compliance across teams and channels
Aquire members with precision
Deliver targeted, compliant offers quickly using a unified, governed approach to offer management
Price based on relationships
Apply relationship-based pricing with clear rules and centralized controls across member segments.
How we help
Amplify what makes you different
Credit unions aren’t banks. That’s why their members love them. The challenge is harnessing that distinction into consistent execution as complexity grows. Now, credit unions have an opportunity to leverage their differences to scale member value, address community priorities, and pursue modernization, without compromising control or trust.
Increase member value
Deliver value that reflects the relationship
Increase member value
Deliver value that reflects the relationship
Recognize and reward the full member relationship with fairness and transparency.
Enable relationship-based pricing and benefits across products and services
Use tiering to reflect engagement, tenure, and participation, not just balances
Deliver personalized value that feels earned, inclusive, and easy to understand
Strengthen your community
Operationalize community priorities at scale
Align growth, access, and inclusion with the communities you serve.
Configure pricing, offers, and benefits to reflect defined community priorities and eligibility rules
Apply consistent member value across digital and branch channels using centralized logic
Adapt community-specific strategies quickly without manual workarounds or system changes
Strengthen your community
Operationalize community priorities at scale
Risk, compliance, modernization
Modernize without business interruption
Risk, compliance, modernization
Modernize without business interruption
Evolve how member value is delivered without disrupting operations, compliance, or trust.
Externalize pricing, offer, and loyalty logic from core systems to reduce risk and complexity
Introduce change incrementally while maintaining regulatory and operational control
Extend the life of existing cores while building a compliant foundation for what’s next
Your questions answered
Frequently asked questions
Here are answers to some of our most common inquiries
Is Zafin built for credit unions?
Yes. Zafin was built to help financial institutions, including banks and credit unions, deliver real value to the customers, members, and communities they serve. Like credit unions, we believe members and customers should be at the center of every decision. That shared philosophy shapes everything we build.
Can Zafin integrate with my existing tech stack?
Yes. Zafin integrates with the majority of cores credit unions use, as well as common martech, channel and business tools. Where a pre-built connector doesn’t exist, our low-code integration tooling supports efficient, governed, custom connections.
Can we recognize members based on their full relationship?
Yes. Zafin enables pricing and benefits based on tenure, product depth, engagement, and participation—not just balances or single-product metrics.
How is this different from a typical loyalty program?
Zafin supports points, but also relationship-based rewards such as fee waivers, rate boosts, and bundled benefits tied to tenure, engagement, participation, and product depth. This allows credit unions to reward the full relationship, not just transactions.
Can we support different membership models?
Yes. Zafin supports both open and defined membership models, with flexible pricing, offers, and eligibility rules tailored to how your credit union serves its community.
How do we ensure consistent value across channels?
Pricing and offers configured once apply consistently across branches, mobile, online, and call centers, so members receive the same value wherever they engage.
How long does implementation take?
Typical implementations run 6–9 months from kickoff to live production, with predictable ROI and no core replacement required.
How does Zafin help with compliance?
Do we need to replace our core?
No. Zafin works alongside your existing core, letting you modernize progressively without disruption.
What if we're planning a future core migration?
Zafin de-risks that transition. By externalizing product and pricing logic, the member experience remains consistent as you modernize or migrate core systems underneath, without Big Bang risk.
Podcast
In this episode of Zafin’s Banking Blueprints podcast, host Sam Kilmer from Cornerstone Advisors, is joined by Jaspreet Chawla from Navy Federal Credit Union, and David Ladic from Zafin, to explore what it takes to win back “share of wallet” in a world where competitive rates are only table stakes.
See us at the Governmental Affairs Conference 2026
Stop by our booth at the ACU Governmental Affairs Conference from March 1 to 5. Continue the conversation and explore how we help credit unions simplify product complexity without ripping out their core systems.
Find us at Booth K5