Credit union service organizations (CUSOs) let credit unions offer services not traditionally available to members, such as real estate services or financial consulting. When CUs band together to form a jointly owned CUSO, they capitalize on economies of scale or leverage an expertise (like business lending) that individual CUs would find difficult to provide.

Mazuma Credit Union, solely owns CU Holding Company, LLC.

CU Holding Company focuses on collaboration and innovation through strategic networked partnerships providing innovative results for the success of the credit union industry. This is accomplished through a family of five Credit Union Service Organizations (CUSOs) that are national in scope.

By partnering with others to collaborate, CU Holding Company spawns innovative solutions that create success for the credit union industry.

The CU Holding CUSO family includes, Beyond Marketing LLC, XtraCash, TruHome Solutions, Co-operative Payroll Solutions LLC and Members Development Company.

Beyond Marketing, LLC

Founded in 2003, Beyond Marketing became the first full-service marketing CUSO in the U.S. Delivering custom marketing and sales programs for the financial services industry, Beyond Marketing focuses on strategic planning to generate revenue and manage quantifiable results. Backed by our intrinsic credit union expertise and inspired by challenge, we strive to consistently deliver unique and effective promotional strategies and tactics based on sound ROI metrics.

As a leader in financial services marketing, we utilize marketing trade and credit union industry expertise, combined with our staff of professionals touting over 100 years of financial, retail, and agency marketing experience. Beyond Marketing offers a wide range of services to fit our clients’ needs. Capabilities include strategic planning, market research & target audience identification, print and interactive Web design, public relations management, advertising and promotion. We’re committed to communicating the client’s message effectively, to the right audience, by applying a full-service marketing mix. Clients are supported by our top graphic designers, copywriters, and account managers with a special understanding of the strategic business objectives and financial services’ marketing environment.

By incorporating sound strategy with compelling creative, you get results. We believe the best solution considers the client’s point-of-view while utilizing our industry expertise…A solution that is one part you and one part us.

XtraCash, LLC

As a premier provider of practical, 100% risk-free payday lending solutions for credit unions and their members, XtraCash also serves as a non-interest income generator. XtraCash offers a complete turn-key operation including software, underwriting, collections, servicing and training. Plus, XtraCash incurs any loan loss.

In addition to the complete turn-key program, participating clients gain the security and safety of working with a CUSO-owned company. We partner with credit unions nationwide to uniquely offer both lower cost loans and to encourage financial education to their FOMs. Our mission is to make a difference in the industry by providing a risk-free, profitable alternative to payday lenders, and to make a difference for the members by providing a lower cost alternative to payday loans and a pathway to financial stability.

Credit union members are using payday loans! XtraCash competes with payday lenders by offering a better product with lower fees. The program is about empowering CU members to avoid the habitual payday lending cycle, and transition them back into mainstream credit union products and service. With our innovative program, we help credit union members get out of the high-interest payday loan cycle.

TruHome Solutions

TruHome Solutions, LLC provides a better, cost-effective solution for your credit union. TruHome Solutions is the leading mortgage origination and mortgage servicing solution for the credit union industry, combining its mortgage lending experience with leading edge technology to provide credit unions a mortgage program that is easy to implement, minimizes the credit unions risk, and helps make the credit union more profitable. TruHome Solutions was established to originate, process, underwrite, close and service mortgage loans under a private label service.

Utilizing strategic business partnerships to provide credit union members with more home financing options in less time, TruHome Solutions delivers the positive home loan experience members deserve. Credit unions are in a positive position and have not contributed to the nation’s mortgage debacle. TruHome Solutions continues to grow their client base and has experienced dramatic loan volume within the refinance portion of their business model. Purchase volume has been steadily improving as the economy begins to rebound and TruHome is positioned to capture that additional business opportunity.

Co-operative Payroll Solutions, LLC

Co-operative Payroll is a full service payroll processing company. We process payroll for companies nationwide, through a robust system with a full array of service offerings that are customized based on client demand. Co-operative Payroll Solutions commits itself to providing businesses of all sizes with better professional, secure payroll processing services and solutions. Additionally, we offer a comprehensive Human Resource Information System, including the most complete Professional Background Screening and Reporting service available. This allows your business to save time, money, and avoid potential liabilities.

Co-operative Payroll Solutions assists credit unions and CUSOs with strengthening relationships and service offerings to the select employee groups or business members and commercial accounts. This helps with bundling services and showing value to the end client. In addition to processing payroll for SEGs, business and commercial member companies, we are also processing payroll for various credit unions and CUSO’s across the country.

Payroll processing, tax payment tracking, and HRIS Management often prove too time consuming, complex, costly and overwhelming for businesses. Co-operative Payroll Solutions streamlines the process with a comprehensive solutions package. We are committed to providing clients with superior service, state-of-the-art technology, security, and competitive pricing. Allow us to provide an analysis of your payroll requirements and systems to determine if Co-operative Payroll Solutions can provide a better solution for you.

Members Development Company, LLC

Established in 1999, MEMBERS Development Company (MDC) leaders from within the credit union ranks worked with CUNA Mutual Group (CMG) to create this unique, jointly-owned, and credit union controlled, venture. It is a true partnership between credit unions, Corporates, Leagues and CUNA Mutual designed to help focus member product and service development activities on the most pressing and promising opportunities within the credit union industry. MDC works to bring together the resources and talents within our credit union industry to research, develop and implement superior, high-value member products, technologies and platforms, to better serve members and enhance the movement’s potential for success.