Case Study: Mountain America Credit Union achieves increased balance transfers and $408 average annual member savings with MX Technologies' FinSmart

MACU is an innovator in financial services that has partnered with MX to offer data-driven money management and FinSmart technology

Mountain America Credit Union partnered with MX Technologies to tackle members paying high credit‑card interest at competitor banks. Using MX’s FinSmart solution and MX aggregation feed, Mountain America identified those members and created hyper‑personalized offers that could be populated and delivered without IT support.

MX Technologies’ FinSmart campaign displayed each user’s current APR and estimated annual savings to encourage balance transfers; the campaign drove a 6% click‑through rate, with 27% of clickers converting, $3,307 average balance transferred per user, and roughly $408 in average annual savings—an average interest reduction of about 12 percentage points (from ~22% to ~10%) for switchers. The initiative delivered measurable member savings while generating tangible balance growth for Mountain America.

Mountain America Credit Union