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A Mobile Member Loyalty Platform 


Stronger member loyalty leads to higher retention rates, increased interchange revenue, and greater wallet share. However, research shows that up to 20 percent of consumers are likely to switch their financial institution this year. In 2013, 33 percent of the financial products purchased were from non-primary credit unions or banks. 

Member loyalty is mission-critical to a credit union’s longevity and profitability, but many are missing out on the immense benefits.


Filene is teaming up with Larky, a web and mobile loyalty platform that enables credit unions to delight members with frequent point-of-sale discounts at local and national merchants, and each member typically saves $1,000 or more per year.  Read the results from the 20-month pilot.

Larky uses location-based smartphone alerts and personalized messaging branded to each credit union, so members receive free, instant discounts on behalf of their credit union. 


  • Your credit union-branded loyalty platform starts with compelling discounts. You select (with Larky’s help) local and national merchants.
  • Larky negotiates those discounts and manages merchant relationships.
  • Larky makes these discounts accessible to your members only through credit union-branded mobile apps (iOS and Android) and a discount web portal. Larky manages all development and maintenance of these technologies.
  • There is little or no integration; and it does not require credit unions to reissue cards. 
  • You promote the new rewards program to your members, and Larky helps by providing a marketing plan, branded collateral, and execution assistance.
  • Your members get credit union-branded alerts when they are near a merchant with a discount. The alert instructs the user to “Pay with your credit union credit or debit card to get your member discount.”
  • The merchant deducts the discount from the total bill.
  • Larky tracks performance and member behavior and shares data with you in the form of actionable intelligence.



  • Save each member more than $1,000 per year, at no cost to them.
  • Connect members with mobile solutions.
  • Improve members’ lives without requiring any change in behavior. Members don’t need a new card to take advantage of discounts and perks.
  • Increase trust in their credit union and their understanding of all their credit union has to offer.
  • Help members support local businesses.


  • Increase member loyalty and retention.
  • Improve cross selling and upselling of products and services (wallet share).
  • Increase interchange revenue.
  • Build word-of-mouth marketing efforts with current and prospective members.
  • Enable immediate savings for members without typical rewards liability.
  • Drive traffic to local businesses and incentivize local businesses to become credit union members.

Credit unions currently offering Larky include Lake Trust Credit Union, Partners Federal Credit Union, Christian Financial Credit Union, and many more. 


If you have any questions, please contact us at or 608.661.3740.