Case Study: PriorityONE Credit Union achieves strong credit performance and exceeds annual membership goals with Upstart

How PriorityONE Credit Union of Florida Achieved its Credit Performance and Annual Membership Goals

PriorityONE Credit Union sought a partner to help grow membership and expand unsecured personal lending while preserving strong member experiences. After evaluating fintech options, PriorityONE Credit Union selected Upstart and its AI-powered offerings — including the Upstart Referral Network and Recognized Customer Personalization for Personal Loans — to tap qualified borrowers and modernize online application and closing flows.

Upstart delivered a Referral Network that routed qualified personal-loan applicants into a PriorityONE-branded application, supported by agreed KPIs, flexible loan limits, and ongoing operational alignment. The program helped PriorityONE exceed its annual membership goal in four months, add over 200 new members, and achieve credit performance at or better than expected within eight months, prompting the credit union to reinvest runoff into unsecured loans; PriorityONE now plans to expand use of Upstart’s Recognized Customer Personalization to deepen member relationships.

PriorityONE Credit Union

Deana Hennessey

President and CEO