The Challenge
A four-person marketing team at a credit union is competing for primary financial relationships against institutions with entire departments doing the same work. Members expect rates that recognize their existing accounts, current product and pricing information, and digital experiences that match what they see from their bank and their card issuer.
Most of that work still runs through spreadsheets, shared drives, and email approvals. A rate change affects the product record, the offer, the disclosure, the website, the branch collateral, and the core; each is manually updated and reviewed. Indirect auto borrowers never convert into checking relationships. Merged product sets carry duplicate terms years after the merger closes. The result is not so much a technology problem as a capacity ceiling on how much variation the institution can safely support.
How Naehas Solves It
Naehas holds products, pricing rules, eligibility logic, member offers, disclosures, and fulfillment records in one connected, governed system. Change a rate, and the platform surfaces every offer, disclosure, and channel asset that depends on it. The change is then routed through the approvals your policy requires, while maintaining the version history an NCUA examiner will request.
Teams can effectively use data that’s already sitting in the core to determine what a member qualifies for. Product variations are configured rather than built. Compliance reviews are centralized, and governance is built into the end-to-end process.
145%
More offers moved into production at a leading U.S. financial institution
79%
Reduction in operating costs through offer management automation
44%
Reduction in customer complaints with automated offer fulfillment tracking
95%
Faster cycle times for high-volume product and content changes
Why Credit Unions Choose Naehas
Personalized Offers
Speed to Market
Dynamic Pricing
Cross-Product Rewards
Streamlined Compliance
Marketing
Product
Customer Engagement
Consider a member with a $32,000 indirect auto loan, no checking account, and 14 months of tenure. Naehas identifies the qualifying attributes, presents a rate benefit tied to opening direct deposit, attaches the correct disclosure, and tracks whether the benefit was delivered as promised. That last step is the one most institutions cannot support today.
Compliance
Support more products, offers, and member communications while manual review volume stays where it is. Centralized control over disclosures, creative review, approvals, version history, and audit trails enables compliance to govern more activity with the resources already assigned to it, including additional examination scrutiny affecting institutions with over $10 billion in assets.
Credit Unions: Frequently Asked Questions
How can a lean credit union team support more product and offer variation?
Disjointed systems lead to mismatched terms. A centralized, governed catalog ensures all teams and channels show the same approved product details.
How does relationship pricing work at a credit union?
Approved factors, including deposit balances, direct deposit, loan and card relationships, tenure, and product count, determine what rate, benefit, or reward a member qualifies for. The rules are defined centrally and applied consistently, which keeps pricing decisions defensible under scrutiny and allows eligibility logic to account for field-of-membership requirements rather than work around them. In practice, this is how a credit union turns a single-product member into a household relationship: the incentive to consolidate deposits, borrowing, and card spending is priced into the offer itself.
How do we manage disclosure changes when rates and promotions change frequently?
Disclosures are linked to the products, pricing, and conditions they support. When a rate changes, the platform identifies all affected disclosures and assets, routes the change for review and approval, maintains version control, and retains the audit history. With regard to Part 707 obligations on share and deposit account disclosures, that means the record of what was disclosed, when, and to whom is retrievable rather than reconstructed from email threads and shared drives.
Will this work with the core and digital banking systems we already use?
Yes. Naehas operates as a layer above core and channel systems rather than as a replacement for them. Product, pricing, eligibility, offer, and disclosure logic are managed in Naehas and delivered to the systems running deposits, lending, digital banking, branch, and the contact center. No core conversion is required.
How does Naehas help after a merger?
Mergers leave overlapping products, duplicate pricing structures, conflicting disclosures, and member segments governed by terms nobody wants to touch. Naehas gives the combined institution a single place to store those variations and shows which terms and disclosures still apply to which member groups, so products can be consolidated on a deliberate timeline rather than being frozen due to unclear mapping.
