INDUSTRY

Credit Unions

Make informed lending decisions and manage risk effectively to enhance member experiences

Industry Overview

Credit unions are undergoing a transformative period marked by rapid technological disruption, shifting consumer expectations, and increasingly complex regulatory demands. To remain competitive, they must swiftly embrace digital innovation, leverage data for personalized services, and enhance operational efficiency, all while staying true to their member-first approach and deepening member engagement.

ValidiFI offers FCRA and Non-FCRA compliant solutions tailored for lending, payments, and open banking, empowering credit unions to enhance their processes with actionable insights.

How ValidiFI® delivers intelligence for Credit Unions

Validate Accounts
in Real-Time

Verify ACH capability, check balances, assess risk, and confirm account authority for more confident transactions

Confidently
Approve More Loans

Make more informed lending decisions, reduce FPD, and cost per funded to increase portfolio profitability

Optimize
Member Experience

Increase efficiency, security, and personalization for member-centric experiences

Enhance
Account Opening

Streamline account opening and onboarding, reducing friction and wait times for members

Access
Predictive Data

Adapt to shifting consumer behavior by evaluating bank account stability and payment performance

Detect and Prevent
Fraud

Protect and minimize disruptions to legitimate members, ensuring smoother operations

Predictive data for smarter decisions

Streamline account opening
Validate bank accounts in real-time
Ensure smooth payment experiences
Detect and mitigate fraud
Confidently approve loans
Protect operations and members from potential risks

Solutions for Credit Unions

vIndex™

Evaluate financial institutions for increased chance of risk before accepting or sending payments

vAccount™

Our vAccount suite offers scalable account validation for compliance, risk mitigation, and ownership verification

vCredit®

Predictive credit risk score and attributes, leveraging proprietary bank account and payment intelligence

vFraud®

Detect high-risk bank accounts, phone numbers, and emails to prevent fake accounts and fraudulent transactions

vConnect®

Access cash-flow underwriting and consumer-permissioned transactional data from users’ bank accounts

vInsights™

Categorization and cashflow underwriting report to enhance affordability and risk evaluation

Related resources

Press Release

ValidiFI Q3 Report Finds More Than 30% of “Fair” Credit Consumers Flagged as High Risk by Alternative Scoring

Press Release

New Analysis Shows How Layering Real-Time Bank Data with Traditional Scores Uncovers Hidden Risks and Opportunities ALPHARETTA, Ga., Dec. 10, 2025 — ValidiFI, Inc., the leading alternative data...

Press Release

Q2 Report Finds High-Risk Accounts Fail Up to 4X More Often

Press Release

This Quarter’s Report Reveals Critical Need for Advanced Account Verification and Authentication as Real-Time Payments Increase Fraud Risk ALPHARETTA, Ga., September 25, 2025—ValidiFI, Inc., the...

Press Release

Velera Selects ValidiFI for Automated Bank Account Validation for Credit Unions

Press Release

ALPHARETTA, Ga., June 26, 2025 — ValidiFI, Inc., the leading provider of predictive bank account and payment intelligence, has partnered with Velera, a leading credit union service organization...

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Credit Unions