Live Your “People Helping People” Mission Every Day
Financial Fitness Passport™ gives every member of your credit union a personalized AI-powered financial wellness platform — deepening the member relationship and making your mission tangible in their daily lives.
Finally — A Member Benefit That Actually Fulfills Your Mission
Credit unions say they put members first. Financial Fitness Passport lets you prove it — with a tool that helps members get out of debt, build savings, and reach their financial goals, powered by AI and built for everyday people.
Mission-Aligned Member Value
Give every member — from the recently opened checking account to your longest-tenured borrower — access to a personalized AI financial wellness coach.
Deepen Member Loyalty
Members who associate their financial progress with your credit union are dramatically less likely to leave and far more likely to consolidate their financial lives with you.
Drive Meaningful Referrals
Penny AI creates warm, natural cross-sell conversations — referring members to your loan officers, financial counselors, and investment advisors at exactly the right moment.
How It Works for Your Members
Credit Union Deploys the Platform
We co-brand the experience with your identity and configure your member access program — as a free benefit, a premium tier, or a financial education offering.
Members Build Their Passport
Members complete their financial profile across 8 modules — cash flow, debts, insurance, savings, investments, and retirement goals — at their own pace.
Penny Engages Members Daily
Penny answers questions, tracks progress, celebrates milestones, and refers product questions to your team — creating welcomed, relevant conversations.
Your Team Deepens the Relationship
Members arrive to your loan officers and financial counselors with full financial context. Conversations are warmer, decisions are better.
Meet Penny™
Penny is an always-on AI financial companion that embodies your credit union's commitment to member wellbeing. She speaks in plain language, meets members where they are, and never judges their current financial situation.
For credit unions: When members ask about loans, rates, investments, or specific products, Penny refers them to your financial counselors, loan officers, or advisors by name — creating warm, welcomed conversations that feel like help, not sales.
Built for the Member-First Mission
Your Brand, Front and Center
Your credit union's name and logo throughout — members associate their financial progress with your institution.
8-Module Financial Picture
Cash flow, emergency fund, debt, insurance, investing, taxes, estate planning, and retirement — all in one place.
AI Referrals to Your Team
Penny creates natural, warm referrals to your loan officers, financial counselors, and investment advisors.
Mission-Driven Member Engagement
Track aggregate member wellness trends and program participation — with full member privacy protected.
Members Who Progress, Stay
Members who achieve financial milestones with your help are your most loyal, longest-tenured, highest-value relationships.
Consent-Based Data Privacy
All member data is private by default. Sharing with your team requires explicit member consent — always.
Mission-Friendly Pricing for Credit Unions
Volume-based member seat pricing with nonprofit-friendly tiers and dedicated support for credit unions of every size.
Small Credit Union
Under $250M in assets
Mid-Size Credit Union
$250M–$2B in assets
Large Credit Union
$2B+ in assets + custom terms
Frequently Asked Questions
Ready to Make Your Mission a Daily Reality for Members?
Tell us about your credit union and we'll show you how Financial Fitness Passport can serve your members.