For modern financial institutions, success is shaped by how they turn insight into action, data into engagement, and trust into long-term growth. Those outcomes are built with intention and through partnerships based on common strategic objectives.
The SavvyMoney-BCU partnership began years ago as simply offering members access to their credit scores and has evolved into a foundational part of BCU’s member experience. Enabled through the Lumin Digital platform, SavvyMoney is embedded early in the member journey, reinforcing financial wellness from the first interaction and adapting over time to each member’s financial needs.
“Because of how long we’ve worked together, it’s nearly impossible to separate SavvyMoney from our core member offering,” said Jill Sammons, SVP, Marketing & Strategic Growth at BCU. “It’s evolved to be more about delivering value, not just a product we offer.”
Because of how long we’ve worked together, it’s nearly impossible to separate SavvyMoney from our core member offering.
JILL SAMMONS
SVP, Marketing & Strategic Growth, BCU
Turning insight into impact
BCU’s focus on analytics leads to meaningful impact. Members who use BCU’s personalized digital tools, including SavvyMoney, achieve higher credit scores—18 points on average—maintain 33% higher average savings balances, and are half as likely to default on loans than those who don’t. These users are also more loyal, more satisfied over time, and ultimately more than twice as profitable. They log in more often, have deeper relationships, and are seven times more likely to stay with the institution—validating the long-term value of a holistic, insight-driven engagement strategy.
Members using BCU’s personalized digital tools see an average credit score increase of 18 points, hold 33% higher savings balances, and are half as likely to default on loans.
With deeper insight into member behavior, BCU can also identify targeted lending opportunities, particularly for mortgage and auto loans, helping increase wallet share through more relevant campaigns tailored to specific member needs.
Those campaigns deliver timely, personalized offers that help members save money—whether through refinancing, debt consolidation, or better-fit products. By understanding member needs, teams can retarget them with pre-approved opportunities and maintain clear visibility into performance through Analytics. Seeing the impact SavvyMoney is able to deliver, BCU makes the solution available to every member in digital banking via InstantAccess.
Supporting teams across the organization
SavvyMoney supports BCU’s marketing, lending, and digital teams, helping the credit union operate in a more connected and efficient way. That cross-team impact is especially important as BCU looks to streamline vendor relationships and maximize capacity. One example is SavvyMoney’s willingness to lead integrations and handle the heavy lifting around innovation.
“Excess internal capacity isn’t a luxury we have,” Jill noted. “Knowing SavvyMoney is willing to do the work to make integrations happen helps us go further, faster.”
Amplified through a strong ecosystem
BCU’s broader technology stack plays an important role in their success. After migrating to Lumin several years ago, bringing SavvyMoney along was a seamless experience. Today, the Lumin Digital platform provides a strong foundation that enables BCU to build and scale new capabilities, including a Financial Wellbeing Hub, where SavvyMoney plays a central role.
Together, BCU, SavvyMoney, and Lumin operate as a coordinated ecosystem—one that supports innovation and efficient execution while delivering real value to members.
Looking ahead
As BCU looks to the future, the opportunity lies in leveraging more data and continuing to turn engagement into measurable growth. Success will be defined by increased wallet share, sustained loan growth, and more sophisticated use of data to guide strategy.
At its core, the partnership reflects a simple truth: no one succeeds alone. By working closely with SavvyMoney and Lumin Digital, BCU is well-positioned to continue delivering value to members while remaining competitive in an increasingly digital, crowded market.
