Through independent research and innovation, the Filene Research Institute explores issues vital to the future of credit unions and consumer finance.


Innovation Blog

  1. Save To Win Revamped

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    Filene’s i3 project prepares for a 2011 update from the Michigan Credit Union League (MCUL).

    Friday’s edition of the Credit Union Times reports that the Michigan League is remaping up their Save to Win campaign.

    “The league, which in 2009 pioneered the sweepstakes-type promos to build membership, particularly among low-income residents, said it now counts 42 participating CUs with 12,000 accounts.”

    Save to Win is a Prize-linked Savings (PLS) program that uses a lottery-like psychology to encourage savings. For every $25 deposit made, members are given the chance to win.

    “The prize-linked raffle idea, originally promoted by the Filene Research Institute, has now caught on in several other states – including Washington, Nebraska and North Carolina – though in some areas it has run into opposition from the banking lobby which has been effective in blocking enabling legislation on grounds the promotion amounts to gambling.”

    Click here for the full article and here for additional details on Save to Win’s law changing progress.

    categories » Innovation

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