Before joining Extole, 3Rivers Federal Credit Union — a $2.7 billion institution serving over 136,000 members — had a referral program in place but saw clear opportunities for growth. Their existing solution, powered by a different digital provider, lacked the automation and flexibility needed to reach their full potential. Managing referral tracking and customer inquiries required a high level of manual effort, and members experienced more technical difficulties. The credit union wanted to eliminate operational hurdles and deliver a smoother, more engaging experience for members.
3Rivers wanted to modernize their member acquisition strategy with a platform that could automate referral workflows, provide richer data, and create a more seamless member experience. Extole stood out for its experience in the credit union space and ability to support multiple types of programs, from referrals and welcome offers to service activation offers. Beyond the technology, 3Rivers valued Extole’s consultative approach: a dedicated customer success manager who could help them test, target, and fine-tune their program without tying up internal engineering resources.
Since partnering with Extole, 3Rivers has transformed its referral strategy into a more flexible, member-centric program. They now leverage Extole’s tagging system to easily update offers, change rewards, and run tests in real time, all without IT intervention. Members enjoy the flexibility of multiple reward options, including Mastercard gift cards, account credit, and even charitable donations. Operationally, automation has replaced manual tracking, reducing the technical workload significantly. Building on this momentum, 3Rivers and Extole are charting new paths for growth together, from advanced CRM integrations to innovative program types that will further elevate member engagement.
