In all the ways that matter.

Be there. Be more.

CO-OP Financial Services is uniquely prepared to help credit unions turn today's megatrends into real opportunities for greater success. With more consumer touchpoints, more connections, greater insights and as a result, more thoughtful, relevant offerings than any other credit union service organization, now, more than ever, you have access to a customizable suite of innovative tools and services designed to help you strengthen and simplify.

Now is the time to be there for today's consumer with everything they're looking for in a financial institution. Let CO-OP help you seize this unprecedented opportunity.

VIEW THE CO-OP PORTFOLIO OF SOLUTIONS

It's time to Seize the Now...

Be Innovative

It's no longer enough to simply offer a range of payment channels. Today's consumers expect those channels to converge into a seamless experience that's consistent across platforms - both visually and functionally. An experience that offers fast, brilliant, thoroughly connected answers to needs your member didn't even know they had. All at the acccelerated pace of a real-time world.

Be there with CO-OP Solutions that truly enhance your member experience:

RealPay by CO-OP - Offer the industry's only real-time, person-to-person payments solution through your choice of the Sprig® by CO-OP standard online and mobile app, the CO-OP Mobile brandable and configurable app or integrated into an existing mobile app as an API.

ATM Innovations - Implement NextGen ATM by CO-OP for shared branching and full self-service teller features at terminals you already operate, accompanied by extensive monitoring and management tools.

Member Center - Strengthen ties to members by giving them more convenient opportunities for personal interactions, including on-hold callback, digital chat and SMS text support.

Be Trustworthy

With massive data breaches making regular headlines, and individual instances of payment fraud affecting countless cardholders every year, security has never been more highly valued by consumers. Building a strong defense requires implementing the most advanced technology to generate transactions, as well as detect and rapidly respond to evidence of fraud when it occurs.

Be there with the industry's strongest suite of security solutions:

EMV® - Leverage support and guidance from CO-OP to strategize, plan for and ultimately implement the new standard for microchip-enabled payment cards.

Tokenization and Apple Pay™ - Utilize the direct connection CO-OP has established with Visa® and MasterCard® in order to enroll in Apple Pay™, and become top-of-digital wallet in the member demand for Apple's highly successful mobile payments solution.

Predictive Fraud Forecasting - Offer text alerts and CardNav℠ by CO-OP self-service card controls and alerts to stop fraud before it occurs, and count on advanced analytics from CO-OP's Falcon™ Fraud Manager for 24/7 real-time decisioning and predictive transaction scoring.

Be Inspiring

Building your bottom line requires the right financial products, as well as the tools to help those products achieve their maximum potential. It starts with a card payments program tailored to your credit union's needs and capabilities. And it continues with relevant, meaningful incentives coupled with effectively targeted promotional efforts to keep your card top of wallet.

Be there with comprehensive and meaningful card solutions:

Card Payments - Choose from the extra control offered by CO-OP In-House Credit, plus the reliability of CO-OP Debit for signature and PIN transactions - all with the streamlined efficiency of a single platform. Or take advantage of the comprehensive capabilities of CO-OP Full-Service Credit through CO-OP's TMG partnership, fully integrated through Springboard.

Member Rewards by CO-OP - Offer web and mobile app access to easily personalize loyalty incentives ranging from merchandise and travel to e-gift cards and cash, as well as merchant-funded offers and bonus points that help build profitable relationships with local retailers.

Data Analytics - Precisely target profitable cardholder segments with insights gained using powerful tools such as CO-OP Revelation®, Catalyst, ClearTrend and SpendTrend®; and utilize CO-OP Preferred to send targeted marketing promotions to increase card usage and spending.

 

Be What's Next.

CO-OP has helped guide the credit union movement's evolution through more than three decades of relentless change. That commitment remains just as strong as we look ahead to the challenges and potential for growth on the horizon. With CO-OP as your partner, you can count on progressive thinking and relevant solutions to keep you at the forefront as you seize today's opportunities and prepare for tomorrow's.

CO-OP is with you all the way:

Enhancing the Member Experience - By continuing to develop greater self-service functionality and personalized engagement through advances such as versatile mobile apps and interactive video at the ATM, as well as greater back-end integration to simplify management and connectivity to existing offerings.

Fighting Fraud and Managing Risk - By supporting the continued adoption of EMV for card-present purchases, including contactless implementations; by driving the deployment of tokenization technology for card-not-present digital wallet purchases; and by evolving the functionality of card controls and predictive fraud analytics.

Strengthening Revenue Streams - By refining analytics and loyalty program capabilities, improving reporting and leveraging multi-channel marketing to deliver one-to-one messages across a range of devices, including mobile phones and tablets.

 

Be Everything

CO-OP's comprehensive portfolio of solutions and support encompasses all the elements essential to a true omnichannel financial services experience. Detailed inside the overleaf on the right, CO-OP's offerings include:

Business Lines -01  Locations

Through its robust, nationwide network infrastructure, CO-OP provides access to convenient ATM and Shared Branch locations from coast to coast, supported by terminal driving and self-service innovations.

Business Lines -02  CO-OP Member Center

Staffed 24/7, CO-OP's call center services provide personalized assistance with account and cardholder inquiries, and can build revenue with lending services.

Business Lines -03  Mobile/Virtual

Linked through the CO-OP Connect technology platform and its rapid-implementation interfaces, CO-OP's constantly evolving suite of solutions for phone, tablet and online access includes the latest technology for digital wallets, real-time person-to-person payments and remote deposits.

Business Lines -04  Card Payments

With a single, integrated platform for PIN and signature Debit, as well as your choice of Full-Service or In-House Credit, CO-OP lets you build a highly competitive card program backed by advanced analytics, powerful fraud and risk management capabilities, plus loyalty and member engagement programs that differentiate your credit union.

Business Lines -05  THINK

CO-OP continues to help lead the evolution of the credit union movement with the THINK program of online resources, annual conference and regional events, as well as the THINK Prize for innovation.

Webinars

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Upcoming Event // May 02

WEBINAR // 01:00

Extranet

Marketing/Portal

We offer complete campaigns in a range of formats, all ready for you to download, customize and roll out.

Blog

Engage with weekly posts on the Insight Vault blog, where CO-OP thought leaders and subject matter experts share their insights with the credit union industry.

THINK

Explore THINK

CO-OP THINK is the always-on innovation platform driving the evolution of the credit union movement. Originating as a conference, and growing into a year-round experience, the THINK brand fosters a more progressive credit union movement by sharing knowledge and inspiring leadership, creativity and innovation.

Download/Links

Our download library provides access to a variety of resources that help enhance the service you provide to your members.

Training

CO-OP Financial Services offers classes to benefit its member credit unions and notifies you when new sessions are posted.