Luminate Innovations delivers dynamic partnerships to serve and support Louisiana credit unions. Just as our name implies, we work to bring cutting edge innovations to make your credit union shine brighter! By leveraging the collective buying power of the Louisiana credit union market, we are able to provide access to high-quality products and services through select business partners and endorsed vendors.

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Advantage, powered by JMFA

Strategic Partner

ADVANTAGE, powered by JMFA, is dedicated to empowering credit unions with strategic solutions for growth and success. Our comprehensive services include overdraft program consulting and compliance, account acquisition strategies, vendor contract negotiations, and consulting for improving digital capabilities. Choose ADVANTAGE to elevate your performance, identify new opportunities, and build value.

Amazon Business

Strategic Partner

Whether shopping for home or work, people value Amazon for its convenience, selection, and value. But credit unions have different needs than individual buyers. That’s why we created Amazon Business – to combine the selection, convenience, and value you expect from Amazon, with features that can help improve business operations.

BaumTech

America’s leader in ATM placement, management, and servicing.

Catalyst

Catalyst Corporate Federal Credit Union is a wholesale cooperative financial institution serving over 1,300 credit unions nationally with innovative core financial services and exceptional back-office support. Services, designed specifically for the credit union industry, include payment solutions, liquidity, investment options and balance sheet management assistance.

Clutch

Strategic Partner

Turn your credit union into a fintech with next generation loan origination and account opening experiences.

CUSG

Strategic Partner

Your credit union is looking for game-changing technology — innovation that meets the evolving demands of your members. You need high-quality, adaptive, and customizable solutions to meet your credit union's specific needs — that maximizes your capabilities and modernizes operations. Our technology solutions team collaborates with your credit union to help you break through the boundaries of complacency and reach your full potential. We transform your business so it's not only a credit union, but a leaner and highly productive member-engagement tool, delivering end-to-end solutions.

Digital Storefront

Strategic Partner

TruStage's Digital Storefront serves as an embedded e-commerce platform that connects consumers to proactive pre-approved offers and applications in just a few clicks.

Eltropy

Strategic Partner

Eltropy provides a secure and TCPA-compliant way for credit unions to engage their members through text messaging and leverage analytics to grow revenue. Credit unions use Eltropy’s technology to engage members, send product offers and emergency info, resolve member issues, cross-sell/up-sell financial products, aid in the loan process, and collect debts via text messages. Eltropy’s AI-based technology has enabled credit unions to see a 500% improvement in member engagement with an ROI of 10x.

Envisant

Strategic Partner

Envisant, formerly LSC, a subsidiary of the Illinois Credit Union League, is a provider of reloadable prepaid debit cards and gift cards. With these programs, LSC handles all back office operations. You avoid the overhead and workload of managing a card program. Marketing materials are available to promote the cards.

HR Solutions

Strategic Partner

HR Solutions has been providing outsourced HR Consulting, Payroll and Employee Benefits services for hundreds of companies for over 20 years. We combine the best-in-class HR Software with high touch services by accredited Payroll, HR and Benefits professionals. We provide customized solutions from just payroll, to HR Consulting or Employee Benefits. Our Prism HR technology is used by over 80,000 companies nationally.

KRP Law Firm

Strategic Partner

Kudulis, Reisinger, Price Law Firm (KRP) is a valuable legal partner for financial institutions. Their attorneys have spent their entire careers working with credit unions and financial institutions, representing more credit unions than any other firm in the country. Legal services include regulatory compliance, employment, bond/insurance, governance and litigation, collections, bankruptcy, foreclosure, and trademark/copyright.  Special pricing for affiliated credit unions.

Member First Mortgage

Wholly owned by Credit Unions and built on the philosophy of “People Helping People,” Member First Mortgage (MFM) has provided homebuyers with mortgage financing since 2001.

MessagePay

Strategic Partner

MessagePay provides a modern, streamlined payment platform for modern members. By implementing the MessagePay solution, credit unions can offer their members a simple, convenient alternative to loan payments, account funding and more. MessagePay provides access to customized payment reminders and easy, two-tap payments via the SMS service on a member’s mobile device. MessagePay also provides payments over the phone and web and supports multiple payments methods. Fast, easy, and secure payments for members wherever they may be.

Motivosity

Strategic Partner

They say a great member experience starts with a great employee experience. That’s where Motivosity comes in. Motivosity is a software for employee recognition that focuses on building a connected culture. From making sure every employee feels appreciated for the work they do, to making sure there is a sense of community in the workplace, Motivosity can help elevate your culture and improve retention.

On the Mark Strategies

On The Mark Strategies is a team of Avengers helping community financial institutions become the powerhouses they are destined to be. When you work with us, you get a group of experts who customize solutions to the particular needs of your institution. Services offered include strategic planning, branding, marketing help, training and more. Solve your growth problems when you book a free consultation today.

Qwikrate

Strategic Partner

QwickRate is the premier non-brokered CD marketplace for institutional funding and investing and other solutions including cybersecurity and bank analytics.

SRM

Strategic Partner

Contract Negotiation expertise so you get the best terms and pricing possible. Vendor contracts connected to your financial mission, especially those reaching your members, not only have high stakes but can have long-lasting effects on your credit union’s image for quality service and innovation. With contract terms becoming more complex, SRM can help your credit union navigate and negotiate contracts that work in your favor and benefit members, all while maintaining a positive relationship with the vendor. There’s no up-front cost to try SRM’s services, and clients typically achieve 15-20% savings per contract.

Trellance

Strategic Partner

Trellance is a credit union cooperative and leading technology partner for credit unions, delivering innovative technology solutions to help credit unions achieve more. With a comprehensive suite of analytics, cloud, and talent solutions, the Trellance team ensures credit unions increase efficiency, manage risk, and improve member experience. As a tech partner, Trellance ensures that credit unions have access to the latest generation of fintech solutions, filled with powerful tools such as artificial intelligence and machine learning.

Trustage

Strategic Partner

TruStage is a financially strong insurance and investment company who offers commercial and personal insurance products; lending and payment security solutions; and retirement, investment, data and analytics, and marketing services.

Velera

Strategic Partner

Velera, formerly PSCU/Co-op Solutions, is the nation’s premier payments credit union service organization (CUSO) and an integrated financial technology solutions provider. With over four decades of industry experience and a commitment to service excellence and innovation, the company serves more than 4,000 financial institutions throughout North America, operating with velocity to help its clients keep pace with the rapid momentum of change and fuel growth in the new era of financial services. Velera leverages its expertise and resources on behalf of credit unions and their members, offering an end-to-end product portfolio that includes payment processing, fraud and risk management, data and analytics, digital banking, instant payments, strategic consulting, collections, ATM and POS networks, shared branching and 24/7/365 member support via its contact centers

VisiFI

Strategic Partner

VisiFI is a leading provider of dynamic financial information technologies and solutions for the credit union industry. Our robust suite of open, real-time, digital products is designed to seamlessly deploy and integrate anywhere, meeting consumers’ ever-changing needs and driving long-term growth and success for our partners. Our team is comprised of forward thinkers who are dedicated to predicting, analyzing, and addressing the financial industry’s current technological challenges and identifying future opportunities. With the combined experience of three proven industry innovators, VisiFi serves as a passionate collaborator empowering financial institutions with the knowledge, training, and scalable resources to deliver personalized customer experiences in an increasingly digitized world. VisiFI serves more than 140 Credit Unions across the United States, with revenues of $20M.

Zest AI

Strategic Partner

Zest AI is a technology CUSO based in Los Angeles. Zest is the only complete AI automated underwriting solution built specifically for credit unions to safely expand credit and generate smarter, more efficient and inclusive lending insights. Credit unions we partner with gain efficiencies with powerful AI automation and see on average 25% increase in approval rates with no added risk.

Meet the Team

Steven Liberto

Steven Liberto

Executive Vice President Innovation & Partnerships*
Abby Trauth

Abby Trauth

Director of Partnerships & Education*