For credit unions

Marketing automation for credit unions and credit union marketing software with prices

Your core and your journey tool hold the member data. AiMarketer writes the campaigns that run on top of it: loan promotions, certificate specials, onboarding series, posts and search ads, with your NCUA statement and rate disclosures added, and nothing launched until your compliance reviewer approves it.

See the demo ↓ See it draft a campaign ↓

No card required for the demo. Nothing reaches a member without your approval.

Campaign plan AiMarketer agent

Your business, in one line

Try one:

The agent drafts a real starter campaign for your business: the angle, three ads, a five-post calendar and a budget split. One free run, about 30 seconds.

You have had your free run here. Create your account and the agent writes you a full 90-day marketing plan for your business.

Campaign for . Describe your own business above to run yours.

Campaign angle & audience

Ready-to-run ads

Suggested budget split

First week of content

This is a live generated draft. Want AiMarketer to actually launch and optimize it for you? Describe your business above to run this on yours, or have AiMarketer launch and optimize the campaign for you. You have had your free run on your own business. Create your account and the agent writes you a full 90-day marketing plan for it.

The short answer

Marketing automation for a credit union is two jobs. A journey platform (Prisma Campaigns, Act-On, Strum, or the tool inside your digital banking suite) segments members and fires messages on triggers, from about $600 to $900 a month or on quote. The job most small marketing teams are short on is writing: the loan promotion, the certificate special, the onboarding series, each with the right NCUA and rate disclosures. An AI marketing agent writes and launches those for $49 to $149 a month.

Every price on this page was read from the vendor's own US page in September 2026. Where a vendor quotes on request, we say so and leave the number out.

Draft ad, before approval

Refinance your auto loan and lower your payment

Rates from 5.49% APR for terms up to 60 months. Apply in the app in ten minutes.

APR is annual percentage rate. Example: 60 monthly payments of $19.10 per $1,000 borrowed at 5.49% APR. Rate based on credit and may vary.

Rate stated as APR. Regulation Z, 12 CFR 1026.24(c).
"60 months" is a trigger term, so repayment terms and the APR follow. 1026.24(d).
No NCUA statement needed here. A loan-only ad is exempt under 740.5(c). Add a share account and it is required.

Illustrative figures, not a rate offer.

Four rules every credit union campaign has to pass

General marketing tools know none of these. They are why a credit union marketer spends as long on review as on writing, and why a generic AI writer is a liability without guardrails. Each rule below becomes a setting the agent checks on every draft.

12 CFR 740.2

No inaccurate or deceptive advertising

Covers the claim itself: "anyone can join" when your field of membership says otherwise, "no fees" when there are fees, "guaranteed approval".

What the agent does. Your banned words and claims are stored once. Any draft that uses one is stopped before it reaches the approval queue.

12 CFR 740.5

The official advertising statement

"Federally insured by NCUA", "Insured by NCUA" or the full sentence, in type no smaller than the smallest text in the ad. Required when the ad relates to share accounts. Loan-only ads and radio or TV spots of 30 seconds or less are exempt.

What the agent does. Your chosen statement is attached to every asset flagged as a deposit or share promotion.

12 CFR 707.8

Truth in Savings for share and certificate ads

A stated rate of return must be the annual percentage yield, spelled out as "annual percentage yield" at least once. An interest rate may appear only alongside the APY and never more prominently. Stating a rate brings further disclosures such as minimum balance and term.

What the agent does. Certificate and savings drafts carry the APY wording and the conditions you define for each product.

12 CFR 1026.24

Regulation Z for loan ads

Rates appear as an APR. A payment amount, number of payments, repayment period, down payment or finance charge triggers the down payment, repayment terms and APR, including whether it can rise.

What the agent does. Loan drafts carry your standard APR disclosure and representative example, ready for your reviewer to confirm the numbers.

Real estate secured loan ads from federal credit unions also carry the Equal Housing Lender legend or logo under 12 CFR 701.31. NCUA has an open rulemaking on Part 740 (docket NCUA-2025-1436); until a final rule changes it, section 740.5 applies as written. This is a summary for planning, not legal advice. Your compliance officer signs off, and the approval step exists so that they can.

Credit union marketing software pricing in year one

First-year cost from each vendor's own US price, setup fees included, so the bars compare what you actually pay in the first twelve months. Prisma Campaigns and Strum publish no price and are left off rather than guessed. The options do different jobs: the journey platforms send and segment, CuCurator sells ready-made kits you adapt, CU 2.0's upper tiers add people who build campaigns, and AiMarketer writes and launches the campaigns itself.

AiMarketer Growth, paid yearly

$74 a month billed yearly. Writes, launches and reports on every channel.

$888

AiMarketer Growth, paid monthly

$149 a month, cancel any month.

$1,788

CuCurator annual plan

$549 a month on the annual plan, $799 monthly. Editable campaign kits you still adapt and send.

$6,588

CU 2.0 Silver

$3,000 setup plus $600 a month. Platform setup, training and a starter campaign.

$10,200

Act-On Professional

$900 a month at 2,500 active contacts. Grows with your contact count.

$10,800

HubSpot Marketing Hub Professional

$800 a month for three seats plus a $3,000 onboarding fee.

$12,600

CU 2.0 Gold

$5,000 setup plus $2,500 a month, with ongoing campaign support.

$35,000

CU 2.0 Platinum

$10,000 setup plus $5,000 a month, custom content included.

$70,000

A full-service credit union agency sits past the right edge of this chart. One agency's own published guide puts ongoing retainers at $5,000 to $25,000 a month, which is $60,000 to $300,000 a year before media. That buys strategy, creative and a team; it also buys a queue, and the rate special you want out on Friday waits for the next production slot.

These are not straight substitutes. Keep the journey tool if you have one, because it holds the triggers and the member data. The decision in front of most small marketing teams is whether to pay for another place to build campaigns or pay for the campaigns to be written. We cost the agency route line by line in credit union marketing agency cost.

The member campaigns the agent drafts and launches

Credit union growth comes from primary relationships: direct deposit, a card in the wallet, a loan that moved over from a bank. Each campaign below is written once from your products and rates, then refreshed every time a rate changes.

New member onboarding

A 90-day series: welcome, set up direct deposit, activate the debit card, download the app, then the first product offer at day 60.

Auto loan refinance

Search ads on refinance terms, an email to members with outside auto loans on their credit report if your data allows, and a landing page with the APR disclosure in place.

Certificate and share specials

Rate-led emails, posts and display ads with the APY wording, minimum deposit and term, and the NCUA statement attached.

Card and digital banking adoption

Nudges that move members to the card, e-statements and mobile deposit, timed to their first 30 and 90 days.

Home equity and mortgage

HELOC and first mortgage campaigns with the Equal Housing Lender legend and the Regulation Z disclosures ready for review.

Field of membership recruitment

Local search and social ads to the employers, communities or associations your charter serves, with eligibility stated accurately.

How AiMarketer runs a credit union's campaigns

AiMarketer is an AI marketing agent. It plans the month, writes and designs the campaigns, launches them on approval across email, social and paid channels, and sends a plain-English report every week.

1
Set the rules once

Products, current rates, field of membership, voice, banned claims, the NCUA statement you use and your standard APR and APY disclosures.
2
It plans the quarter

Onboarding, loan season, certificate specials and recruitment laid out around your rate sheet and board goals, with posts and ads to match.
3
Compliance approves

Your reviewer sees each draft with its disclosures, edits a line if needed and approves. Every version and approval is recorded.
4
Launch and report

Approved work goes out through your connected channels, spend moves toward what brings applications, and a weekly report shows what it cost and what came in.

Starter is $49 a month for one brand on one channel, enough for a small credit union that mainly needs the member newsletter and the onboarding series. Growth at $149 connects every channel, runs the loan and certificate ads, and adds the weekly dashboard; it is the plan a one or two person marketing team should start on. Scale at $499 covers up to 15 brands with approver roles per brand, which suits a credit union with separately branded divisions or a CUSO producing marketing for several credit unions.

What we are not: a core, a CRM, a journey platform or an email sender. Keep those. The agent writes and launches through the channels you connect, and your member data stays where it is.

Who this is for

Marketing teams of one to three. Credit unions under about $500 million in assets where the marketer also runs the website, the newsletter and the branch posters.
Growth and lending leaders. A loan-growth target for the quarter and no production capacity to run the campaigns behind it.
Compliance officers. One queue of drafts with disclosures already attached, instead of reviewing whatever arrives by email.
CUSOs and credit union marketing shops. Several client credit unions, each with its own voice and approver, on one account.

AI marketing agent

Get your next loan promotion drafted with the disclosures in place

Create your account. We will email you a 6-digit code to confirm, and you are in.

No card required. Your data stays yours.

Questions about marketing automation for credit unions

How much does marketing automation cost for a credit union?

Published US prices run from $549 a month for CuCurator campaign kits on an annual plan to $600 a month plus a $3,000 setup for CU 2.0 Silver, $900 a month for Act-On Professional at 2,500 active contacts, and $800 a month plus $3,000 onboarding for HubSpot Marketing Hub Professional. Prisma Campaigns and Strum quote on request. An AI marketing agent that writes and launches the campaigns costs $49 to $149 a month.

What is the best marketing automation for credit unions?

For a credit union with one to three marketers, the best setup is usually the email and journey tool already tied to your core or digital banking platform, plus something that produces the campaigns. Journey platforms such as Prisma Campaigns, Act-On and Strum handle segmentation and triggers well. What none of them do is write the auto loan promotion, the certificate special or the onboarding series, which is the gap an AI marketing agent fills.

What are the NCUA advertising rules for credit unions?

NCUA Part 740 bans inaccurate or deceptive advertising and, under section 740.5, requires the official advertising statement, such as "Federally insured by NCUA", in ads that relate to member share accounts, in type no smaller than the smallest text in the ad. Loan-only ads and radio or TV spots of 30 seconds or less are exempt. Rate ads also fall under Truth in Savings (Part 707) and Regulation Z.

Does a credit union loan ad need to show the APR?

Yes, if the ad states a rate or uses a Regulation Z trigger term. Under 12 CFR 1026.24, a rate must be stated as an annual percentage rate, and naming the down payment, the number of payments, the repayment period, a payment amount or a finance charge requires the ad to also give the down payment, the repayment terms and the APR, including whether it can increase.

Can AI write credit union marketing?

Yes. AI drafts loan promotions, certificate and share specials, new-member onboarding series, digital banking adoption emails and social posts quickly once it knows your field of membership, products, rates and voice. A person should still approve anything that quotes a rate, an APY or an eligibility rule, because an error there is a compliance finding, not a typo.

What should a credit union automate first?

Automate the messages that depend on someone remembering. In order of payoff: the new-member onboarding series in the first 90 days, the direct deposit and digital banking adoption nudge, the auto loan refinance campaign, certificate maturity reminders, and the monthly member newsletter. Each is written once and runs every cycle with the current rates dropped in.

Is HubSpot good for credit unions?

HubSpot is a capable general marketing platform, but it does not read your core, so member data has to be synced in and kept current, and it does not know Part 740 or Regulation Z. Marketing Hub Professional costs $800 a month for three seats plus a one-time $3,000 onboarding fee, which is more than many credit unions under $250 million in assets spend on their whole marketing stack.