The Case for Reinventing the American Mortgage
The modern mortgage industry is very good at protecting the financial institution, but often leaves the borrower without any protection at all. Marc Biron and Steven Siegel discuss how diversification can reinvent the American mortgage, achieving protection for borrower and lender alike.
The Return of Leasing: Why Credit Unions Are Rethinking Auto Finance in 2026
Consumers are increasingly turning to leasing over lending in the auto industry, according to Tim Yalich, who encourages credit unions to treat leasing as a core part of their financing strategy.
ACH Reserve Costs: the Problem Hiding in Plain Sight
With traditional ACH processing for transactions such as mortgage lending, credit unions are losing hundreds of thousands a year in hidden costs. By modernizing payment processing, credit unions can instead use those funds to get ahead, says Jeff Osheka.
The Refinancing Wave: What Credit Unions Stand to Gain
Thanks to the rising costs of living, your members are staying in their current cars longer, as opposed to buying new, which means more repairs and money out of their pockets. Tim Blochowiak discusses how your credit union can be prepared to meet members with the refinancing tools they need and build member loyalty.
How Credit Scores Shaped Personal Finance in America
Credit scores. We all have one, but why and how did they get started? CUSO Magazine’s Esteban Camargo wraps up Financial Literacy Month by looking at the history of credit scores.
Financial Inclusion in Credit Unions: From Mission to Measurable Results
Traditional credit scoring methods often leave out critical context and historical information, keeping members from the loans they need. Yoel Gavloski examines the idea of going beyond the numbers to create an inclusive lending program.
You’ve Got a PAL in Me
Payday lenders have a storied history of taking advantage of the most financially vulnerable in our communities. CUSO Magazine’s Esteban Camargo looks into what credit unions can offer to provide a better option: Payday Alternative Loans.
Small Business Lending: Why Now?
Credit union veteran Walter Merkle discusses the benefits that small business lending can bring to credit unions willing to engage with these accounts and how they can get started doing so.
America’s Credit Unions Calls Housing Picture for 2026 “Not Good”
In America’s Credit Unions’ most recent “Economic Update”, Chief Economist Curt Long states the housing market is in recession, diving into the data, and prognosticating on the market in 2026. CUSO Magazine’s Esteban Camargo reports.
The Phantom Debt of Buy Now, Pay Later
As the total amount of buy now, pay later debt continues to climb, as does the risk to credit unions and the housing market. Emily Claus discusses the rise of Buy Now, Pay Later services, the phantom debt they create, and what it all means for credit unions.
