Consumers Credit Union
“Can a community credit union deepen member relationships and reduce attrition by bundling digital banking, business treasury services, and embedded financial products (Flex Pay, merchant services, SBA lending) into a single West Michigan-focused platform?”
Consumers Credit Union is a Michigan-based community credit union founded in 1950, serving personal and business members across West Michigan. It has steadily expanded from core deposit and loan products to include business banking services, merchant services, ACH payroll/payment processing, and a digital-first banking platform. The credit union's embedded finance angle is primarily as a product distributor — offering branded financial products (Flex Pay installments, merchant services, business credit lines) to its member base rather than building infrastructure for third parties.