Make Gen Z Members for Life

Meet younger members where they are.
Offer the products they want.
Earn lifetime loyalty.

- WHAT LEADERS ARE SAYING -

“If Salus enables us to say 'yes' to more of our members, while at the same time managing our risk, that's a win-win-win.”

“We need to be offering these products and services to fulfill our mission. It's not a matter of should you - it's how do you get there.”

“This partnership is transforming financial emergencies into opportunities. Providing fast, affordable, and dignified access to funds has already helped our members save over a million dollars versus predatory debt.”

“We intentionally partner with mission-aligned vendors who help us serve our members with integrity and innovation. Salus offers a creative, cost-effective solution for expanding access to emergency funds.”

- Solutions -

Attract Gen Z. Retain Gen Z. Grow Gen Z.

Microloans

Young consumers need help managing short-term financial emergencies. They need fast access 24/7, and assume their credit union can't do it.

SOLUTION: Fully automated, digital microloans of $50 - $2,000

WHAT YOU NEED TO KNOW: 65% of credit union microloan borrowers grow deposits one year after getting a microloan (90% of Gen Z borrowers).

Earned Wage Access

Younger members often experience cash flow pressure a few days before payday. Without immediate access to their earned income, they face late fees, overdrafts, or predatory lenders.

SOLUTION: EWA loans available 2 weeks after joining the CU

WHAT YOU NEED TO KNOW: Chime and Dave grew by 8.4 million members the last two years using this acquisition strategy.

Payment Reporting (Rent)

Rent is the largest monthly expense for Gen Z and Millennials, yet it historically does not build credit, making auto or mortgage loans harder to obtain.

SOLUTION: Automated furnishing of rent payments to credit bureaus

WHAT YOU NEED TO KNOW: Gen Zs are 5x more likely than other generations to use rent reporting services.

Predictive Analytics (Sentinel)

Younger consumers expect personalized experiences that help when they need it. Predictive analytics segments members and serves them automated messaging.

SOLUTION: On-demand, data-driven segmentation of member groups

WHAT YOU NEED TO KNOW: Turn your data into proactive outreach for members in need, or targeted messaging for credit union products/services.