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SAN FRANCISCO–Have you put together a logical, rational offer for your members, and then been surprised when it wasn’t that popular? You shouldn’t be, according to one person, because people often make irrational choices. But there are three ways to take advantage of that type of human behavior, according to one person.

Secondary capital has been available to low-income credit unions since 1996, but it has seldom been used by larger, healthy low-income designated institutions seeking to fuel growth, revenue and service to members.

Members 1st Credit Union

Members 1st CU celebrates Freedom.

ALEXANDRIA, Va.—Federally insured credit unions across the country saw continued loan growth in the fourth quarter, according to state-level data compiled by NCUA, which also show that Oregon is leading the nation in median loan growth.