Vera Bank banks on Q2.

Putting people first every day

United Federal Credit Union was founded in St. Joseph, Michigan in 1949 by eight employees of the Whirlpool Corporation who came together in pursuit of one mission: to support their fellow employees, to uphold the values of their community, and to serve those who live and work in it. ​ 

Fast forward 75 years and this same mission has transcended far beyond the St. Joseph community—and even Michigan state lines—because today, United has almost 200,000 members and has built a diverse footprint with more than 40 branches and loan offices across seven states. But through decades of growth, industry pressures, and changing member expectations, United has continued to reinforce their guiding principle of “people helping people.” 

  • 10 years of service 
  • $4B+ in assets 

“When we look to the future, digital is going to be critical to our growth. Q2 is the kind of partner we need for that growth. They provide expertise, advice, and vision that we can't normally get from other partners.” 

Duane Wilcoxon
Chief Information Officer

Why United Federal Credit Union banks on Q2

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To compete and win against large banks

United has an exceptionally progressive mindset when it comes to using technology to further their mission. Q2’s digital banking platform helps them stay on par with—or even exceed—what larger competing banks can offer. And ultimately, United’s robust digital capabilities help make their national growth possible.  

To drive member engagement

As one of the first financial institutions to adopt Composable Dashboard—Q2's tailored UI capabilities—United empowers their members to easily find and activate helpful features within their digital banking interface. By doing so, they improved access to previously underutilized tools and increased engagement by 300%.  

To build lasting member relationships

United counts on their personalized digital experiences to deepen their member relationships and boost retention. By making banking easy and accessible, United members can choose when and how to manage their money, get real-time information about their accounts, and customize their experience based on current needs. 

  • 40% increase in engagement in under a year
  • 20% increase in Skip-a-Payment enrollment
  • 1k members served
  • 2 locations across seven states

To help members—and their communities—grow

United’s dynamic blend of digital capabilities and people-first service fuels meaningful growth for members and their businesses—like Blue Star Hospitality, a hotel management and real estate company that’s been in operation for 30 years. Since they started banking with United in 2013, they’ve added seven hotels to their roster, onboarded 100 new employees, and developed a diverse portfolio of restaurants and rental properties that support local economies in North Carolina. Blue Star Hospitality knows a dedicated banker is always just a phone call away, but they can also conveniently handle all their banking needs online.  

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Tools for success

Q2 helps United Federal Credit Union deliver a superior brand of service on a national scale. Here are just a few of the Q2 products and solutions they bank on:  

Q2 Innovation Studio

United leverages Q2’s fintech partner ecosystem to easily integrate third-party solutions into their digital experience, such as SavvyMoney’s credit score monitoring. They’ve also done custom integrations with the SDK to make non-partner solutions available, like Skip-a-Payment.  

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Q2 Composable Dashboard

Composable Dashboard has enabled United to engage with their members the moment they log in by featuring personalized offerings and a call-to-action to enroll in them. This strategy garnered a 379% increase in enrollment for their Skip-a-Payment feature.  

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Q2 CPFM

By offering Q2’s Contextual Personal Financial Management (CPFM) tools, United makes it easy for members to track their spending right from their digital app—resulting in better cashflow management and deeper engagement.  

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