Credit Union of Texas (CUTX) has always been committed to helping its members save effortlessly while giving back to their communities. For five years, CUTX’s Save the Change program allowed members to round up their debit card purchases and automatically transfer the spare change into their savings accounts or make charitable contributions to the CUTX Foundation. However, the program required in-branch enrollment with limited accessibility and high internal resources.
That all changed when CUTX partnered with Spiral to elevate the experience for members. By migrating Save the Change to Spiral’s Roundup Center, CUTX members could enroll and personalize their experience seamlessly through their online banking account— anytime, anywhere. This shift proved to be a game-changer.
Here's what happened.
After migrating the program to Spiral, CUTX saw an unprecedented surge in adoption and engagement, doubling the program’s enrollment in just two months. Nearly 10% of CUTX’s online banking members signed up through Spiral’s Roundup Center within this short timeframe — and have been using it daily. The transition to Spiral not only simplified enrollment but also introduced additional features, like real-time savings tracking, an innovative user experience, and the ability for members to effortlessly support charitable causes of their choice, creating a more personalized and fulfilling experience for members.
"By leveraging the innovative Spiral platform, we enhanced our Save the Change program, enabling members to track their savings in real-time and easily support meaningful local causes," said Eric Pointer, President & CEO at CUTX. "This seamless solution helps our members grow their savings while making a positive impact in the communities we serve."
What made this so successful?
- Easy Enrollment: Instead of visiting a branch, members could now sign up in seconds through their online banking account.
- Personalized Experience: With Spiral, members have full control and can see their savings and impact accumulate in real time and experience a stronger connection to their growth.
- Community Impact: With Spiral, members have even more ways to give back and support their communities. For example, they can direct a portion of their roundups to the CUTX Foundation or help provide essentials like clothing and toiletries, support job training for individuals with disabilities, and contribute food and water through partnerships with local nonprofits, including Trusted World, Best Buddies International, and Hope Restored Missions, respectively. It’s a simple, powerful way to make a meaningful difference close to home.
- Rewarding Savings: CUTX promoted their Save and Earn incentive— where members receive a $120 reward after saving $240 through roundups— which became even more attractive with Spiral’s seamless and engaging digital experience.
The results:
- Nearly 10% adoption achieved within just 60 days, with over 13% of CUTX's members now use Spiral daily
- More than 700,000 roundup transactions to date, reflecting a significant boost in engagement
- 53% enrollment rate through a digital banking widget
- 100+ requests to open new savings accounts, demonstrating strong demand and interest
"The response from our members has been phenomenal," said Pointer. "The combination of effortless enrollment, a rewarding savings experience, and the ability to give back has made Save the Change more popular than ever. Spiral’s innovation and seamless migration made this possible in record time."
CUTX successfully transitioned its long-standing program into a modern, member-friendly experience, resulting in rapid adoption, stronger engagement, and more members saving and giving back than ever before. So far, Spiral has powered over 1 million savings transactions for account holders across the country while initiating thousands of donations made to local causes and communities.
Join the success
This success story showcases the power of Spiral's personalized banking solutions and services. With Spiral, financial institutions can drive deeper engagement, grow deposits, and position themselves as the primary choice for customers’ financial needs—all within just a few months.
Trusted by leading financial institutions nationwide
"With Spiral, our members can effortlessly save more and support local nonprofits. We’re thrilled to help members and our teams impact their communities and their own savings!"
– Vice President of Payments
Consumers Credit Union
"Spiral deepens our engagement and allows our customers to save for their dreams while making a positive impact within their communities."
– President and CEO
West Shore Bank
"Adding Spiral allows our customers to effortlessly grow their savings and donate to causes they care about in a way that fits their unique needs and values."
– President & COO
Timberland Bank
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