Signals from the Field

Let's imagine this scenario.  A member opens a 48-month auto loan in March. Makes every payment. In month 30, she logs in to mobile banking more frequently than she has in the past two years. Her direct deposit went up. She's started making transfers to savings. She could just appear to be an active member in good standing. However, consistent payments throughout a loan term, increased engagement, and income growth are fairly reliable indicators that she's approaching a point at which a new financial decision is imminent. Maybe a vehicle upgrade. Maybe a home purchase. Maybe a HELOC to finish a renovation she's been putting off.

Picture this. A loan officer wraps up a call with a member who's been with the credit union for six years. She has a checking account, a savings account, and a personal loan she's been paying on time for 18 months. The call was about a routing number. It lasted four minutes. The loan officer said goodbye, closed the tab, and moved on.

Having HubSpot and Using HubSpot Are Two Very Different Things

After onboarding HubSpot at more than 60 credit unions, a pattern has emerged. Many credit unions that purchase HubSpot end up underusing it. Not because the platform isn't capable, but because nobody told them upfront what successful onboarding actually requires.

Not Every Credit Union Should Buy HubSpot Right Now

That's not a sentence you'll hear from most HubSpot agencies. But we've been working with credit unions long enough to know that buying a platform before you're ready to use it is one of the most reliable ways to waste a marketing budget.

Most Credit Unions Are Losing Applicants They Don't Even Know About

Most credit unions, if not all, use a Loan Origination System (LOS) and will experience application abandonment. People land on your auto loan page, click Apply, start filling out the form, and then disappear. The application closes. The session ends. And from your credit union's perspective, that person never existed. Or you’ve paid for a started application that never converts.

Geear is proud to announce that we have successfully completed our SOC 2 Type II examination, validating the effectiveness of our security controls over an extended audit period. This milestone underscores our ongoing commitment to safeguarding information and supporting the compliance expectations of credit unions and community banks we serve. 

Members expect more than generic web pages and blanket offers. They expect you to know them. And with the data credit unions already have (transactional behavior, branch visits, service usage), you’re sitting on deep insights you can use to deliver truly personalized experiences at scale.