How To Grow A Credit Card Program
Credit unions have increased their credit card market share nearly 50% since the recession. What can you learn from the industry’s notable performers?
Credit unions have increased their credit card market share nearly 50% since the recession. What can you learn from the industry’s notable performers?
This week, CreditUnions.com compares and contrasts the different strategies credit unions are using to build their credit card portfolios.
There are three broad credit card management options that carry their own advantages and considerations.
PSCU reports “a couple hundred thousand dollars” in saved chargebacks already as the big card brands prepare solutions to perceptions of chip card speed trap.
CAHP Credit Union underpins loan growth by building rapport with peace officers across the Golden State.
Credit union lending reached a record high of $796.5 billion in 2015 as cooperatives posted year-over-year growth in every major loan category.
One size doesn’t fit all. Providing an extensive credit card product suite can enhance members’ experiences and optimize portfolio revenue streams.
Pennsylvania State Employees CU has one of the best credit card programs in the nation. With penetration at 40% and growth in balances last year at 23%, members are demonstrating they see the value in PSECU’s program above the programs of banks and other institutions.
After a lengthy re-scoring process of 35,000 credit card holders, SAFE Credit Union used their service bureau’s Trigger Alerts to help manage the process.
Vermont State Employees Credit Union ($440M, Montpelier, VT) is always looking to protect their members from various forms of fraud, without inconveniencing them.

Arriba Advisors co-founder Tom Russell explores how credit unions can bridge the gap between a growth mindset and their technical reality.

RKL offers insight, expertise, and experience to help fight off growing threats.

Members are anxious about their financial futures, even as credit unions remain financially strong. Institutions that respond to this moment can make 2026 a turning point.

Global events are flowing directly into household budgets, reshaping how credit union members save, borrow, and cope. Such trends don’t always show up in headline data.

Credit unions are benefiting from a rare margin advantage as loans reprice slower than deposits. The question now is how institutions will use that strength to better serve members.

Membership growth is slowing, but financial activity is not. What does the modern financial relationship look like?

Inflation, war, and uncertain futures have reshaped members’ needs in 2026. What does credit union performance data from the first quarter of 2026 say about household budgets, inflation pressures, and more?

Look beyond the headlines to better understand what is driving current market trends and how they could impact credit union investment portfolios.

Today’s job market is shaped by skills based expectations, with employers slowing entry level hiring and placing greater emphasis on applied experience.

St. Cloud Financial is betting on digital assets to protect member relationships and future relevance. It’s picked up lessons for other leaders along the way.