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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.

All i3 Ideas

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

Lending money to a friend? There's a 43% chance you won't see that money again... Everyone goes into peer-to-peer lending transactions with a positive state of mind, but the reality is not all informal loans get paid back. This is not only unhelpful to the borrower but puts a strain...

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. Coop Car from Filene Research on...

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...

Status: An Idea


The Problem How might we provide new financial services to consumers without the barrier of requiring membership?  How can we get out of the consumer’s way? …our own way? The Solution Shift is the first partnership of its kind bringing together the nation’s top credit unions under one umbrella offering...

Status: An Idea


  The Problem How might we make it simple for digital natives to join a credit union? The Solution MemberEQ (Easy Qualification) propels the online account acquisition formula to a new level, delivering a digitized pre-qualification process that reduces friction and provides value through time savings and personalization.  Filene i3...