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Picture this… it’s halfway through 2024.

Your credit union is six months into a partnership with Upstart. You’ve increased returns by deploying runoff from low-yield mortgage and auto portfolios into profitable personal loans — and adding new members by leading with lending.

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Meet your new members

Meet your new members.

They’re largely prime, millennial borrowers in the communities you already serve. With an average income over $100,000. 66% of borrowers have some form of post-secondary education and an average credit score of 695.

Your member to
cross-sell

Best of all — they convert to other products - such as checking and savings accounts, credit cards, home equity loans and auto loans - at a higher rate than any indirect program you’ve seen before.

Your member to cross-sell
8%+

returns, net of 
losses and fees 

Let’s talk numbers.

With returns north of 8% (net of losses and fees), your net interest margin is trending upward. The high-yield, short-duration personal loans you’re originating deliver exceptional credit performance in any macro environment, thanks to AI-powered credit decisioning.

It’s your program, not ours.

Tailor your program to serve your communities and expand to new markets — whether that’s
by county, ZIP, SEG, or census tract.

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The future of your
credit union is promising.
We’re here to help.

Just picture it.

 

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VR Headset

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Smart Glasses

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Portable Projector

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Drone

Picture that.

For 30 minutes of your time, we'll send over the item of your choice.
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Upstart is the leading AI lending marketplace
We connect millions of consumers to 100 banks and credit unions who leverage Upstart’s artificial intelligence models and cloud applications to deliver superior credit products. Our platform includes personal loans, automotive retail and refinance loans, small dollar “relief” loans, and later this year, home loans. Learn more about Upstart here.