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


i3 Members

Eric Acree

Vantage Credit Union | Bridgeton, MO

Flex.One (2005) and My Community Connection (MCC) (2006)

Tom Anonson

Class Act Federal Credit Union | Louisville, KY

Collaboration in the Classroom (2008), LOT$A MOT$A (2007), and Why Co-op? (2009)

Linda Armyn

Bethpage Federal Credit Union | Bethpage, NY

Lifetime Auto Loan (2005), CU PICK 64 (2006), and Virtual Finance (2007)

Shelly Berryman

SchoolsFirst Federal Credit Union | Santa Ana , CA

Lift (2010), Student Coops (2010), VolunTIER (2010), Save 2 Pay (2011), and HELP (2011)

David Birky

Interra Credit Union | Goshen, IN

CUpon (2011) and HomeTrak (2011)

Thomas Boos

Billings Federal Credit Union | Billings, MT

Flex.One (2005) and CU PICK 64 (2006)

Thomas Bowen

Money One Federal Credit Union | Clinton, MD

Choice Endings (2008), LOT$A MOT$A (2007), and MVP (Member Value Promise) (2009)

C. Lee Brice

Desert Schools Federal CU | Phoenix, AZ

Single Again (2008), CU Tempo (2009), and Interest Refund Loan (2008)

Linda Brown

Service 1st Federal Credit Union | Danville, PA

CU 1031 (2006) and Prize-linked Savings (2006)

Jenny Casselman

Greater Nevada Credit Union | Carson City, NV

Hello (2009), Giving CD (2009), 60-Day Loan Guarantee (2008), and Signal (2010)

Robert Chavez

Sandia Laboratory Federal Credit Union | Albuquerque, NM

V.I.D.A. (2011) and HELP (2011)

Chris Chippindale

Ent Federal Credit Union | Colorado Springs, CO

Pass It On (2011) and My Auto Buddy (2011)

Dana Clark

Connex Credit Union | North Haven, CT

Julie Cosgrove

Affinity Plus Federal Credit Union | St. Paul, MN

60-Day Loan Guarantee (2008), R-Bond (2010), Money Maximizer (2011), and CU@Soup (2011)

Louise Delaney

Salmon Arm Savings and Credit Union | Salmon Arm, BC

Be N’ Biz Fund (2010), Student Coops (2010), VolunTIER (2010), and Save 2 Pay (2011)

Geri Dillingham

North Island Credit Union | San Diego, CA

MatriMoney® (2005) and Always a Member (2006)

Mary Dolan

Maine State Credit Union | Augusta, ME

The Big Idea (2008), CU Tempo (2009), and Share the Wealth (2009)

Yolanda Draine

First South Financial Credit Union | Bartlett, TN

UMatter (2010), Small Coop Dreams (2010), and Black Star (2010)

Joline Epple

Target Corporation Credit Union | North Haven, CT

David Faleski

Coastal Federal Credit Union | Raleigh, NC

Airport Oasis Lounge (2008) and Auto Savings (2007)

Bob Falk

Purdue Federal Credit Union | West Lafayette, IN

Lifetime Auto Loan (2005), Always a Member (2006), and Auto Resource Center (2007)

Paul Farmer

Veridian Credit Union | Cedar Falls, IA

CUpon (2011) and CU Line Leaper (2011)

Steve Fifield

Cyprus Federal Credit Union | West Jordan, UT

Auto Savings (2007), Choice Endings (2008), and Why Co-op? (2009)

Mark Forsyth

National Institutes Of Health FCU | Rockville, MD

Smart Score (2005), Prize-linked Savings (2006), and The Savings Revolution (2007)

Teresa Freeborn

Xceed Financial Credit Union | El Segundo, CA

Lifestyle Lending (2007), Hi 5 (2005), and Always a Member (2006)

Carlene Frimer

United Communities Credit Union Limited | Essex, ON

Cooperative Housing (2010), Pass It On (2011), and Silver Bell (2011)

Tammy Gallegos

America First Federal Credit Union | Ogden, UT

Collaboration in the Classroom (2008), Debt in Focus (2010), and The Leap (2009)

Linda Garboczi

Andrews Federal Credit Union | Suitland, MD

Hello (2009), CUBE (2009), Two Grand Plan (2010), and R-Bond (2010)

Laida Garcia

Florida Central Credit Union | Tampa, FL

Hi 5 (2005) and No Excuses Savings Club (2006)

Sharon Gaugler

A+ Federal Credit Union | Austin, TX

Shape Up Certificate (2011) and HomeTrak (2011)

Chad Graves

Ent Federal Credit Union | Colorado Springs, CO

First Step Program (2008) and Debt in Focus (2010)

Blake Griffin

Firstmark Credit Union | San Antonio, TX

First Step Program (2008), Why Co-op? (2009), and CU-HomeWise (2009)

Betsy Guerrero

Westerra Credit Union | Denver, CO

Lori Hall

American Airlines Federal Credit Union | Ft Worth, TX

Auto Savings (2007), Single Again (2008), SimplySave (2009), and Interest Refund Loan (2008)

Elizabeth Hayes

Affinity Plus Federal Credit Union | St. Paul, MN

CU 1031 (2006) and Always a Member (2006)

Michael Hostetler

Finance Center Federal Credit Union | Indianapolis, IN

Pass It On (2011) and CU@Soup (2011)

Shannon Hout

Educators Credit Union | Racine, WI

V.I.D.A. (2011) and NUTeller (2011)

Jean Hughes

CommunityAmerica Credit Union | Overland Park, KS

Francis James

United Teletech Financial Federal CU | Tinton Falls, NJ

Hi 5 (2005) and My Community Connection (MCC) (2006)

Lydia Johnson

Tsawwassen, BC

Jane Kennedy

Utilities Employees Credit Union | Wyomissing, PA

The Big Payoff Loan (2010), GoalMine (2010), Sitewink (2011), and My Auto Buddy (2011)

Mike Kenzie

Patriot Federal Credit Union | Chambersburg, PA

Lift (2010), GoalMine (2010), Save 2 Pay (2011), and NUTeller (2011)

Jeff Kline

Members Develoment Company | Austin, TX

Flex.One (2005) and Always a Member (2006)

Steve Koenen

Altra Federal Credit Union | Onalaska, WI

Unite (2008), Virtual Finance (2007), and SimplySave (2009)

Karin Kovalovsky

Air Academy Federal Credit Union | Colorado Springs, CO

LOT$A MOT$A (2007), Unite (2008), SimplySave (2009), and Interest Refund Loan (2008)

Jennifer Kulkoski

First Financial Credit Union | Skokie, IL

Lisa Landt

First Entertainment Credit Union | Hollywood, CA

Smart Score (2005), No Excuses Savings Club (2006), and LOT$A MOT$A (2007)

First Last

Filene Research Institute | City, St

Todd Lindemann

Mountain America Credit Union | West Jordan, UT

CU 1031 (2006) and Decision Point (2006)

Todd Marksberry

Delta Community Credit Union | Atlanta, GA

Community Impact Center (2007) and CU Tempo (2009)

Adam Marlowe

Georgia's Own Credit Union | Atlanta, GA

Kathy Martin

Directions Credit Union | Sylvania, OH

CUpon (2011) and Silver Bell (2011)

Josh McAfee

Leaders Credit Union | Jackson, TN

Michelle Merkley

Keystone Federal Credit Union | West Chester, PA

Jim Miles

MidUSA Credit Union, Inc. | Franklin, OH

MatriMoney® (2005) and CU PICK 64 (2006)

Tim Mislansky

Wright-Patt Credit Union, Inc. | Fairborn, OH

Auto Savings (2007), The Big Idea (2008), and Why Co-op? (2009)

Toni Montgomery

AmeriChoice Federal Credit Union | Mechanicsburg, PA

Two Grand Plan (2010)

Ben Morales

Washington State Employees Credit Union | Olympia, WA

Hi 5 (2005) and CU PICK 64 (2006)

Bob Morgan

NorthCountry Federal Credit Union | South Burlington, VT

Wintegrity (2009), CU-HomeWise (2009), 60-Day Loan Guarantee (2008), and GoalMine (2010)

Michael Murphy

Motorola Employees Credit Union | Schaumburg, IL

Lifetime Auto Loan (2005), Decision Point (2006), and Auto Savings (2007)

Dwayne Naylor

Langley Federal Credit Union | Newport News, VA

Smart Score (2005), Always a Member (2006), and Community Impact Center (2007)

Lisa Palma

Blackhawk Community Credit Union | Albertville, MN

Pass It On (2011) and HomeTrak (2011)

Peter Paulson

Corporate America Family CU | Elgin, IL

CU 1031 (2006) and iNForm (2006)

Lisa Renner

CU Holding Company, LLC (Mazuma Credit Union) | Lenexa, KS

Community Impact Center (2007), The Big Idea (2008), Why Co-op? (2009), and Interest Refund Loan (2008)

Sandra Sagehorn-Elliot

Bellco Credit Union | Greenwood Village, CO

Nathan Saller

Bellwether Community Credit Union | Manchester, NH

CU 1031 (2006), CU PICK 64 (2006), and Lifestyle Lending (2007)

Soma Sarkar

Credit Union of New Jersey | Ewing, NJ

Mark Sekula

Randolph-Brooks Federal CU | Universal, TX

Hi 5 (2005) and iNForm (2006)

Trish Shermot

CTCE Federal Credit Union | Reading, PA

Choice Endings (2008), Green Feat Rewards (2009), and Giving CD (2009)

Susan Siegel

Sunmark Federal Credit Union | Schenectady, NY

MatriMoney® (2005)

James Simon

Suncoast Schools Federal CU | Tampa, FL

Phil Smith

Public Service Credit Union | Denver, CO

Lifestyle Lending (2007), Moneyworks (2005), and Prize-linked Savings (2006)

Betsy Sommers

Seasons Federal Credit Union | Wethersfield, CT

Shape Up Certificate (2011) and CU Line Leaper (2011)

Michael Spink

Local Government Federal Credit Union | Raleigh, NC

Ray Springsteen

Fort Knox Federal Credit Union | Radcliff, KY

Troy Stang

Northwest Credit Union Association | Beaverton, OR

Airport Oasis Lounge (2008) and Community Impact Center (2007)

Richard Syme

America First Federal Credit Union | Ogden, UT

CU 1031 (2006) and My Community Connection (MCC) (2006)

Nick Talley

Chetco Federal Credit Union | Harbor, OR

Shape Up Certificate (2011) and CU@Soup (2011)

Jean Theis

Motorola Employees Credit Union | Schaumburg, IL

Choice Endings (2008), Women: A Strategy for Success (2007), and Debt in Focus (2010)

Doug True

FORUM Credit Union | Indianapolis, IN

Moneyworks (2005) and Always a Member (2006)

Lauren Vance

Christian Financial Credit Union | Roseville, MI

CUpon (2011) and CU@Soup (2011)

Kim Vu

Technology Credit Union | San Jose, CA

Auto Savings (2007), First Step Program (2008), and Green Feat Rewards (2009)

Joni Walker

Missoula Federal Credit Union | Missoula, MT

V.I.D.A. (2011) and CU Line Leaper (2011)

Michael Warrell

Smart Financial Credit Union | Austin, TX

V.I.D.A. (2011) and Silver Bell (2011)

Corina Watts

University Federal Credit Union | Austin, TX

CUpon (2011) and NUTeller (2011)

Steve Webb

Neighbors Federal Credit Union | Baton Rouge, LA

Jason Werts

Unitus Community Credit Union | Portland, OR

Darin Woinarowicz

Arrowhead Central Credit Union | Bakersfield, CA

Lifetime Auto Loan (2005), Prize-linked Savings (2006), and LOT$A MOT$A (2007)

Derrik Wynkoop

Hudson Valley Federal Credit Union | Poughkeepsie, NY

Shape Up Certificate (2011) and My Auto Buddy (2011)

Stacie Wyss-Schoenborn

Boeing Employees Credit Union | Seattle, WA

Shape Up Certificate (2011) and NUTeller (2011)

Jeff York

CoastHills Federal Credit Union | Lompoc, CA

Moneyworks (2005) and iNForm (2006)

Linda Young

Coast Capital Savings Credit Union | Surrey, BC