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i3 Concepts

Our i³ (Ideas, Innovation, Implementation) counts more than 150 concepts since the programs inception in 2004. These product, service, and business model innovations help credit unions build operational efficiency, generate loans, mobilize savings, reach communities, and strengthen membership. Browse through them below.

i3 Ideas in the Spotlight


The Problem How might we learn more about our millennial members so that credit unions could offer them relevant products and services? The Solution ASK - Acquire-Social-Knowledge is a solution that can connect with millennial and non-millennial members through a mobile device channel so that credit unions can better understand...

Debt Dragon

Testing Soon! Complete this form to be considered for the Debt Dragon prototype test.  The Problem The problem of student loan debt puzzles many in the financial world and burdens millions of Americans each year. The amount of student loan debt continues to skyrocket, surpassing all other forms of debt...

Member Megaphone

Check out the Filene i4 Test Results: Complete this form to be notified when we'll text the next iteration of Member Megaphone testing.  Originally developed by i3 innovators under the concept name CU Toot.   Problem: One-to-one referrals from existing members remain the most cost-effective and productive way to grow membership...

All i3 Ideas

Status: An Idea

Member Maximizer

Problem How might Credit Unions educate their members on the monetary value that they provide?   Solution The Member Maximizer will show once and for all that our members are making great choices by working with us. No more doubts about if someone else is getting a better deal! No...

Status: An Idea

Switch Ninja (version 2)

Problem How might credit unions obtain more time and resources to reach consumers that are displaying frustrations on social media in regards to their existing financial products and services? Solution Switch Ninja is designed to assist with the frustration consumers have with their existing financial institution and minimize the amount...

Status: An Idea


Problem How might we create a reward program that supports our member’s personal life goals and values? Solution InVision - the first credit union rewards program designed to support the achievement of individual life goals, while harnessing the power of community.

Status: An Idea

Bank on Family

Problem How might we assist members with informal lending transactions?  Solution Bank on Family takes the awkwardness out of lending and borrowing to/from family members by making the credit union the "middle man" and reducing the risk for the family lender. 

Status: An Idea


Problem How might we prepare credit unions for the potential future of auto loan declines? Solution Coop Car, the future of autos for credit unions. With Coop Car, a credit union Member has access to affordable, reliable transportation at the tap of a finger.

Status: An Idea

Will be Done

  Problem  How might we lessen the impact of being financially unprepared for death? Solution Will be Done is designed to increase interest in and follow through on will creation. It is an accessible, web-based, streamlined, low-cost will-preparation solution supported by a robust, ongoing educational/promotional campaign and delivered directly through...

Status: In Process

Prepared Auto Financing

Problem How might we better empower our members for a lifetime of vehicle ownership? Solution Prepared Auto Financing, an auto loan with a built-in savings transfer to help members improve positive financial behaviors while ensuring peace of mind throughout vehicle ownership.

Status: In Process

Smooth Mortgage

Problem How might we use creative mortgage underwriting to reduce the amount of cash needed by first-time borrowers to purchase a home? Solution Smooth Mortgage helps first time home buyers by significantly reducing or eliminating the amount of cash needed to close. For cash-strapped millennials, this helps buyers find a...

Status: An Idea

Karma Direct

The Problem How might credit unions use charitable giving to enhance our relationship with our members? The Solution Karma Direct is a program that gives members an influence over where the credit union directs its donations. For every bill payment, new loan, payroll deposit, and new investment, the credit union...

Status: An Idea


The Problem How might we engage millennial members by helping to develop healthy financial and fitness habits? The Solution Thrive seeks to address this problem simply by encouraging members to save and workout by paying a higher interest rate on their savings account when they do both.  While there are...