Expenses are inevitable. All of your core members face them, but don't all have access to the same financial resources. Whether they need to replace a major household appliance, purchase furniture for a baby on the way, or invest in a new computer for a child heading off to college, ClearChoice offers them a remarkably simple-and financially sound-solution.

 

Designed to ensure responsible borrowing, ClearChoice focuses on core membership-not just credit history. The program, similar to reverse layaway, gives your members the freedom to make those important purchases-safely. No interest. No finance charges. No hidden fees. Manageable, worry-free, automatic payments that actually help members strengthen their credit scores. And it gives them access to a large selection of premium products priced at or below retail.

ClearChoice gives you and your credit union an obvious advantage. Not only does it drive new core member growth, but it also generates a new source of revenue-and a new source of loans. It's a benefit that puts the power back in your hands. Easy to implement and regulatory friendly, ClearChoice lets you get back to serving your core members by offering them a way to make purchases through responsible borrowing-when they need it most.

See How It Works fig

WHATEVER THEIR FINANCIAL STATUS, ALL YOUR
MEMBERS HAVE TO MAKE PURCHASES

Big and small. Expected and unexpected. They all face financial hurdles. But they don't all have access to the same financial resources.

The ClearChoice Member Purchase Program was designed for that specific reason. It allows you to serve all your core members-when they need help the most-all while relying on their credit union membership, not just their credit score. A cutting-edge, one-of-a-kind benefit, it's a clear win-win. For your members-and your credit union!

HOW CLEARCHOICE WORKS

Four simple steps to responsible spending.
Step 1

ACCOUNT VERIFICATION

Your members verify their account against a pre-approved list that your credit union provides.

Step 2

SHOPPING & PAYMENT TERMS

After selecting products, members choose payment terms that best fit their budget(6, 12, 18 months).

Step 3

LOAN FUNDING & SHIPMENT

The loan is funded and products are shipped automatically to your members.

Step 4

PAYMENT DEDUCTIONS

Your credit union's semimonthly payments are automatically ACH'd from your members' account.

Our Products fig

PRODUCTS THEY WANT. PRODUCTS THEY NEED.

Electronics

ELECTRONICS

A huge selection of the hottest products (computers, tablets, smart phones, TVs, video camcorders, cameras).

Appliances

APPLIANCES

From dishwashers to dryers and refridgerators to ranges, ClearChoice has the finest selection.

Furniture

FURNITURE

A wide range of beautifully designed, comfortable furniture for every living area-inside and out.

Much more

& MUCH MORE

Sports and fitness equipment, jewelry, watches, baby products, toys, luggage...ClearChoice offers it all.

GET THE PROGRAM THAT'S GREAT FOR YOUR MEMBERS
AND GREAT FOR YOUR CREDIT UNION

Schedule a consultation with a ClearChoice representative.