Insights & innovation
Where Impossible Dreams come to life!
Because You Are Enuff™, we’re committed to getting even better for you.
Our purpose is to create joy and ignite Michiganders’ Impossible Dreams. Which is why, as a for-impact financial institution dedicated to putting our members first, we aren’t content to rest on our laurels. We’re driven by an inner power to relentlessly hustle and grind to keep innovating, providing smarter, better, and more effective services to help spark Impossible Dreams for members like you.
Welcome to the Huzzah Innovation Lab
Listening is our superpower
That same curiosity drives us to take our members' stories and insights to heart and invent solutions crafted for them. To raise them up in bright spots and walk with them in the darkest of moments.
It’s not empty talk, either. Real member savings struggles inspired us to create the 52-Week Savings Challenge. Real team member experiences drove us to Choose The Bear™ to help end economic abuse in Michigan. And the experiences of CFCU moms and families led us to be the first-ever partner of Greenlight.
So, why not share your story? It could inspire our next great member innovation!
The Huzzah Innovation Lab
Be a pioneer shaping our future!
Because we’re always listening, we want you to join us in the "The Lab“. Where you can get early access to new tools and services, share direct input and feedback, and help shape our future!
Currently Testing
What we’re piloting now
To make sure our new innovations will truly benefit you, we gather feedback from a member panel of beta testers before launch.
Cancer Care Agents
To help patients ease the monetary burden, we’re partnering with care advocate Andy Janning to provide compassionate, personalized financial support for those battling cancer.
Steps After Life
Steps After Life provides compassionate, expert guidance to help you organize your affairs after the passing of a loved one.
Ribbon
Managing financials after the passing of a loved one is never easy. Ribbon makes it simpler for those who are grieving to report the loss of a loved one quickly and digitally.
Starlight
For families who find themselves in tough times, many turn to government benefits to get through. Starlight provides personalized guidance to help find the ones that can help most.
Tandem
Built for couples not quite ready to bring their finances together, Tandem makes sharing expenses, tracking spending, and coordinating and planning big purchases simple.
Give Them the Greenlight App
Guiding their financial future
Greenlight helps kids learn to earn, save and spend wisely by gamifying real-world financial literacy. Best of all, if you’re a member, the money app and debit card for kids and teens is on us!
Meet Debbie! Earn Cash
Rewarding good habits
Free to members, Debbie is an app that pays cold hard cash for hitting financial goals. Whether it’s making a money plan, boosting savings, or paying off debt, it’s a super fun way to gamify the tough job of financial wellness while earning rewards for making the right moves.
The 52-Week Savings Challenge
Making saving so easy, it’s automatic!
Save $1,378 without thinking about it by automating your savings with the 52-Week Savings Challenge. Just set it, forget it, and save a ton of cash by the end of it.
Choose The Bear™
Battling economic abuse in Michigan
Content Warning: Messages about sexual violence and IPV/DV
In 2024, we launched Choose The Bear™ to help survivors of economic abuse pivot their trajectories for the better. Together with First Step of Wayne County, we are helping survivors across Michigan find a ray of hope that can change everything for the better.
Fin-Life by Pocketnest
Building the blueprint of your Fin-Life
Because financial planning should be accessible to everyone, Fin-Life by Pocketnest is a financial wellness app that uses behavioral science and psychology to create a financial plan entirely unique for you—free to members on us!
Phases of Innovation
How do we bring great things to life? A five-step iterative process makes sure our innovation isn’t just for the sake of it, but rather for the real benefit of our members and the communities we serve.
We start with curiosity—
Diving into research, gathering feedback, and journey mapping real member experiences. Understanding the full picture helps us see where we can make the biggest impact.
We start with curiosity—
Diving into research, gathering feedback, and journey mapping real member experiences. Understanding the full picture helps us see where we can make the biggest impact.
Leading With Curiosity
We’re always looking for great ideas
Got an idea that could make your experience better? We’re always looking for ways to improve, and your input helps shape what comes next. Share your thoughts—we’re listening!*
*By sharing your idea, you acknowledge that it becomes the property of Community Financial Credit Union. We may review, develop, and implement it at our discretion without obligation or compensation.
The member impact is real
Insights and Innovations add up to results that matter every day!
Thought Leadership
CloseEnuff™: A Case Study in Credit Union Innovation
Our CloseEnuff™ checking account is a human-centered innovation aimed at improving liquidity, reducing fees, and boosting members’ cash flow through incentives and thoughtful design.
Thought Leadership
Smashing our Piggy Banks: The Future of Payments
Exploring the evolution of payments, highlighting the need for credit unions to innovate and embrace emerging trends like digital wallets, embedded banking, and AI to stay relevant in a rapidly changing landscape.
Thought Leadership
Stop. Collaborate (in Tech) through Listening
Explorings how CFCU leverages technology not just for efficiency, but as a tool to build deeper, relationship-driven connections with members, emphasizing the power of listening and co-creation in shaping future financial services.
Financial Services
Even more everyday innovation
Not only are we pushing the envelope with the latest innovations, but we’re also constantly working to make each and every one of our financial services even better for you!
