Fintech speed, 
member-first touch

From account opening and loan origination to decisioning, onboarding, and member support.

Deploy in weeks. Operate in minutes.

+ 150 more

CUSTOMERS

Don’t take it from us

No hype. Just honest accounts of what it’s like to work with Clutch – straight from the people who use it every day

Firstmark Credit Union
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Neches Federal Credit Union
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Abound Credit Union
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PROOF POINTS

Hype is nice, results are better

See how credit unions get quick results and reward their members with the modern experience they expect.

+50%
increase in look to book ratios
40%
reduction in manual reviews and IDV spend.
9%
recovery of abandoned applications.
From 25 to 3 minutes
In-branch intake reduced from 25 minutes to 3.

Start anywhere, 

run everywhere

Start with a single product or your entire portfolio – so you and your members can move faster online, in a branch, or on the phone.

Right offers, right decisions, right time

Infuse rich member data into your automated decisioning – reward relationships with personalized offers and smarter underwriting.

AI that goes beyond generic

Meet HAL, an AI assistant that you can make your own. Available 24/7 to answer questions, guide applications, and support members with your special touch.

Member-first experience, fintech speed, perpetual growth

Start anywhere, deploy everywhere.

Account opening

From click to funded in minutes. Automated onboarding that transforms new applicants into high-value members.

Loan opening

From first click to completed application in under 3 minutes. The modern digital front door to your loan experience, built to convert more borrowers, effortlessly.

Fastlane decisioning

With AI, a Relationship Score, and instant funding built in – you can instantly reward members and go from application to funded in minutes.

HAL lending assistant

The AI lending assistant that works around the clock – automating communication, document collection, and next steps – so your team can focus on the things that matter most.

Omnichannel

A unified lending and deposit platform that turns your frontline team into an origination powerhouse – delivering an experience that’s both fast and personal across any channel.

Business account opening

Put business owners on the fast track to lasting relationships, with onboarding that means business, but without the big bank baggage.

Targeted remarketing

Bring abandoned applications back to life with automated, personalized email and SMS follow-ups that drive more completions.

Emma collections assistant

Automate outreach at scale - recover more payments at a fraction of the cost while freeing staff to focus on members who need them most.

Account opening

From click to funded in minutes. Automated onboarding that transforms new applicants into high-value members.

Loan opening

From first click to completed application in under 3 minutes. The modern digital front door to your loan experience, built to convert more borrowers, effortlessly.

Fastlane decisioning

With AI, a Relationship Score, and instant funding built in – you can instantly reward members and go from application to funded in minutes.

HAL lending assistant

HAL Lending Assistant The AI lending assistant that works around the clock – automating communication, document collection, and next steps – so your team can focus on the things that matter most.

Omnichannel

A unified lending and deposit platform that turns your frontline team into an origination powerhouse – delivering an experience that’s both fast and personal across any channel.

Business account opening

Put business owners on the fast track to lasting relationships, with onboarding that means business, but not corporate. 

Targeted remarketing

Bring abandoned applications back to life with automated, personalized email and SMS follow-ups that drive more completions.

Emma collections assistant

Automate outreach at scale - recover more payments at a fraction of the cost while freeing staff to focus on members who need them most.

We’ve done the heavy lifting, so integration is just a breeze.