The Organization
Founded in 1934, TAPCO Credit Union serves more than 31,000 users across the South Sound region of Washington State.
The obstacles
TAPCO’s previous digital banking platform offered limited features, inconsistent experience between desktop and app, and infrequent updates. Digital account opening wasn’t available—anyone who wanted to join had to visit one of six branches.
The mission
TAPCO needed to convert deep community engagement into growth. Without digital account opening, thousands of people interacting with the brand at events, through partnerships, and online had no way to join outside branch hours.
the results
The Solution
TAPCO chose Lumin Digital for its partnership model and fully connected platform that brings digital account opening, digital banking, fraud detection, and marketing tools together in one place.
20%
of new accounts opened online (YTD 2026)
#2 user channel
ranking ahead of 5 of 6
physical branches
68% → 94%
Funded rate from day 7 to day 90
3 FTE → 1 FTE
Planned reduction in DAO operational staffing
95%+
Digital banking enrollment for instant-approved users
3x goal
on January debt
consolidation campaign
“Lumin created a strong digital branch ecosystem for us. It’s efficient, it’s effective, it helps us convert community investment and off-site sales opportunities into organic new user growth.”
— Jeremy Mandery,
Chief Retail and Lending Officer,
TAPCO Credit Union
