Case Study: SC Telco Federal Credit Union achieves 115%+ ROI and $2.2M in booked auto loans with Experian's EIRC and Auto In the Market Model

SC Telco Federal Credit Union - Customer Case Study

SC Telco Federal Credit Union, a South Carolina credit union with more than 35,000 members, $186 million in assets and eight branches, wanted to grow its auto‑loan portfolio despite a member base already saturated with auto loans and heavy competition from dealerships, banks and other credit unions. The objective was to identify credit‑qualified members and nearby prospects who were in the market for a new auto loan or paying higher rates elsewhere.

Using Experian’s EIRC attribute and Auto In the Market Model, SC Telco ran a five‑month prescreened direct‑mail campaign to about 20,000 members and nonmembers with targeted offers (rates as low as 4.9%, no payments for 90 days/no interest for 60 days). The campaign booked 155 new loans, added 55 new members, refinanced loans lowering rates by 2.6–20.25%, generated $2.2M from the mailing, and helped the credit union achieve 115.4% of its campaign goal while delivering $6.29 in return for every marketing dollar spent.

SC Telco Federal Credit Union

Jodi Powell

Director of Marketing