MTFCU digitized its Youth CD campaign and opened 883 accounts online in April 2025, nearly doubling typical in-branch results and achieving a record 1,100+ total accounts.
With Narmi’s digital account opening and real-time KYC, members opened Youth CD accounts in minutes from home.
Narmi enabled MTFCU to reach families across Wyoming, Nebraska, and Colorado, turning Youth Month into a region-wide campaign for new and existing members.
Founded in 1954 and headquartered in Cheyenne, WY, Meridian Trust Federal Credit Union serves over 40,000 members across Wyoming, Nebraska, and Colorado. MTFCU is committed to empowering financial well-being through personalized service, modern tools, and innovative solutions.
MTFCU has long celebrated April’s National Credit Union Youth Month with in-branch CD specials but in years past, the reach was limited. The traditional process required families to visit a branch in person, resulting in missed opportunities, long wait times, and heavy operational lift for staff. Historically, Youth Month promotions were entirely in-branch, generating just over 300 new youth accounts each April.
We spoke with Amber Still, Regional Vice President of MTFCU, about this initiative: “Historically, Youth Month has always been an in-branch effort but we knew we were missing families who couldn’t make it in.” With increased demand and broader geographic reach, MTFCU needed a way to modernize the experience and eliminate barriers to access while still maintaining the high-level service that comes with an in-branch visit.
With Narmi’s digital account opening platform fully integrated into their Symitar core, MTFCU launched a 12-month, 20.25% APY Youth CD (up to $1,000 per child) as part of their April campaign. For the first time, the experience was completely digital, giving parents the power to open accounts online from anywhere, anytime. The eye-catching rate, launched on April 1st, created such a stir that some members initially thought it was an April Fool’s joke, a reaction that only fueled more conversation and interest.
In 2025, by combining a record-setting 20.25% APY CD offer with their first-ever use of Narmi’s digital account opening for minor accounts, MTFCU opened almost 900 new memberships digitally, nearly triple the results of prior years, plus an additional 300+ in-branch accounts. In total, over 1,100 youth accounts were opened, representing MTFCU’s most successful Youth Month in history and a nearly 270% lift in digital openings compared to in-branch results alone.
What was once limited to local branches became a region-wide digital campaign, enabled by:
Even members outside of MTFCU’s branch footprint could now participate, turning a once-local campaign into a membership-wide growth engine.
MTFCU transformed its traditionally in-branch Youth Month CD promotion into a high-impact, fully digital campaign — delivering measurable growth, operational efficiency, and member convenience:
Before Narmi, MTFCU lacked the infrastructure to support online account openings for minors or CDs. All openings required in-branch visits, resulting in high operational overhead, data-entry-heavy staff interactions, and manual compliance checks that slowed down turnaround times. This process created bottlenecks during busy campaigns and diverted staff away from higher-value member service.
The absence of automation also meant MTFCU could not easily experiment with new product launches or respond quickly to member interest. Even when campaigns generated excitement, the staff burden often outweighed the benefits, discouraging innovation. In effect, branch dependency limited both scalability and agility leaving MTFCU reliant on traditional promotions that were costly to run and more difficult to measure.
Launching the Youth CD through Narmi enabled MTFCU to create a seamless member journey from campaign to account. In just under 90 days, Narmi deployed the solution with direct integration to Symitar, configured the product, and enabled digital workflows for youth account openings.
Even more impactful, this was MTFCU’s first successful digital CD campaign, laying the groundwork for future deposit-driven promotions. Amber shared with us that, “We’ve tried promoting CDs online before, but they never gained traction, until now. This campaign proved digital works.”
Beyond the Youth CD launch, MTFCU now leverages Digital Account Opening (DAO) year-round to support a wide range of deposit and lending campaigns. Amber and her team has successfully run refinance and loan promotions through DAO, attracting new members without relying on indirect lending channels. For example, in July and August, MTFCU saw measurable growth tied to a summer loan promotion. They are also exploring higher CD limits to maximize future deposit campaigns. This shift means DAO is no longer just a campaign tool, it’s become a core growth driver for the credit union’s overall marketing and member acquisition strategy.
This success has sparked internal momentum for future digital CD promotions and positioned MTFCU as a leader in youth deposit growth. By leveraging Narmi’s platform, the credit union is simplifying account openings for parents, grandparents, and guardians, making it easier to introduce young members to financial products and build long-term engagement. MTFCU is paving the way for youth deposits in its communities, and it now plans to continue using digital account opening for additional deposit-growth campaigns, expanding access, reducing staff lift, and deepening member relationships.
GAFCU wanted to offer CDs in the CAO platform but didn’t want to have to manually send CD receipts every time an account was opened. This labor-intensive method inhibited staff from capitalizing on a channel crucial for deposit growth. Narmi's platform customizations provided a solution: automated delivery of personalized CD receipts to each account holder via email.
Asset Size: $300M
Location: Paramus, NJ
Products: Consumer Digital Banking, Digital Account Opening
GAFCU encountered difficulties promoting additional product offerings, particularly with their CD accounts. They came to Narmi for a solution that could help them effectively cross-sell their CD products.
Narmi's platform customization streamlines operations for GAFCU’s staff, and will enable GAFCU to significantly reduce manual efforts spent on tracking and sending CD receipts.
Grasshopper’s support team historically used Zendesk to manage their client support operations. However, ensuring client conversations on the Narmi support portal remained consistent with the conversations on Zendesk took valuable time away from their support team. Using Narmi’s platform customizations, Narmi built a full integration between Zendesk and the Narmi support portal, saving Grasshopper’s support team over 30 hours each week on manual tasks.
Asset Size: $820MM
Location: New York, NY
Products: Business Digital Banking
Grasshopper recognized the need to optimize their workflow by automating the connection between Zendesk and the Narmi messaging platform. This desire stemmed from a commitment to enhance operational efficiency and streamline processes.
Through this integration, Grasshopper can take full advantage of their existing tech stack. Reclaiming the 30 hours it took to copy messages from Zendesk to the Narmi platform allows Grasshopper’s support team to redirect their focus towards high-impact initiatives and delivering exceptional client experiences.
UFCU’s team was experiencing a high volume of applications that needed to be manually flagged, and they wanted to incorporate a tool into their risk management stack that could help relieve that burden. In partnership with Narmi, UFCU adopted NeuroID to automatically flag and decision for risky applications and send staff notifications when there are incidences of fraudulent activity. Now, UFCU’s staff can sit back and relax knowing that NeuroID is automatically decisioning on those risky applications, even when there’s a fraud attack.
“There were 33 applications that were declined outright on Sunday when otherwise it would have gone to Review or Accepted. This addresses Synthetic fraud which is difficult to track.”
- Russell Shugart
Asset Size: $4.5B
Location: Austin, TX
Products: Consumer Account Opening
UFCU was experiencing fraudulent applications moving to “review” or “approved” status. These applications required constant manual review, causing their staff to be bogged down and overwhelmed when there was a fraud attack.
With NeuroID catching risky applications and automatically decisioning them, UFCU’s staff saves hours every week. In the short time since implementation, Russell calculated that NeuroID saves more than 40 hours a month in manual review time and helps UFCU avoid charge-offs averaging $400 per fraudulent account. With Narmi’s close integration with NeuroID, UFCU can more reliably trust application decisions, giving them a safety net when experiencing intense fraud attacks.
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