Savings.Club
COMMUNITY & LOCAL BANK PARTNERSHIPS

Fee income that does not move with the Fed. A CRA story your examiner can read.

A new revenue line for community banks, one that diversifies away from NIM, strengthens your CRA narrative, builds a future prime-borrower pipeline, and never asks your bank to take on credit risk.

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  • No credit risk assumed
  • Zero CECL, zero capital draw
  • Funds in trust at US Bank under JHTC
WHAT HITS YOUR BALANCE SHEET

Fee income

grows when the Fed cuts, zero NIM correlation

New

CRA story

LMI-impact narrative for your Public File

Yes

Credit risk

no CECL, no capital draw, no portfolio hit

$0
Originate the bridge loan when customers exit.

THE MARKET YOU DO NOT SERVE TODAY

Your rejections become someone else's customer.

30-40%

of subprime auto applicants your bank rejects

22-29%

APR they accept at buy-here-pay-here lots

18-24mo

later, the disciplined ones convert to prime

A Savings.Club partnership turns those rejections into served customers, generates fee income with zero credit-risk exposure, and builds a future prime-borrower pipeline.

The market your bank does not currently serve

The applicants you reject become buy-here-pay-here customers at 22-29% APR.

Every community bank rejects 30-40% of subprime auto applicants. Your underwriting is doing its job, protecting the loan book. But those rejected applicants do not stop needing a vehicle. They go to BHPH lots, accept usurious rates, and become someone else's customer permanently.

A Savings.Club partnership turns those rejections into served customers, generates fee income for your bank with zero credit-risk exposure, and converts the disciplined ones into prime-borrower candidates 18-24 months later.

WHAT'S IN IT FOR EACH ROLE

What's in it for each seat at your table.

A bank-partnership review goes through six functions before sign-off. Here is how it lands for each one.

Non-interest income that does not move with the Fed.

For your CFO. Community banks live and die on NIM. When the Fed cuts and your earning-asset yield drops faster than your cost of funds, this revenue line keeps growing. Diversify the income statement with fee revenue that has zero correlation to rate cycles.

Origination fees without origination risk.

For your Chief Risk Officer. No CECL provision. No risk-based capital. No portfolio impact. The savings-club program is structured so the bank carries no credit risk on member contributions or vouchers. The only thing that hits your balance sheet is the fee revenue.

A real community-impact narrative for your CRA exam.

For your Chief Community / CRA Officer. Savings-club programs demonstrably serve LMI populations and credit-impaired borrowers your bank otherwise turns away. While the program itself is not a regulated lending product, the community-impact story it generates is exactly what FDIC/OCC examiners want to see in your CRA Public File.

Foot traffic and net-new account openings.

For your Chief Retail / Branch Officer. Savings.Club members are predisposed to opening a deposit account when they receive their voucher. Your branch staff have a warm handoff every cycle. Position the program as part of your community engagement and watch deposit growth accelerate.

A pipeline of future prime borrowers.

For your Chief Lending Officer. Members who complete a savings-club cycle have demonstrated 12-36 months of disciplined contribution behavior. They are exactly the candidate profile that converts well to traditional auto, home, and personal lending products at prime rates 18-24 months later.

A modern AI-powered product without a build budget.

For your Innovation / Digital lead. Community banks lag big banks on digital UX by 3-5 years. White-label gives your customers a flagship modern product overnight, without a year of internal engineering, and without negotiating with a fintech for a credit-risk-transfer model that your CFO will reject on principle.

BRIDGE LOANS. BEHAVIORAL UNDERWRITING.

A new lending product whose credit risk is half-priced in.

Beyond fee income, your bank can originate bridge loans to Savings.Club customers, your own and the broader ecosystem if you choose. Each bridge loan is underwritten against 12-36 months of observable contribution behavior, with the customer's accumulated trust contributions sitting as a first-loss buffer. This is the cleanest signal a lender has ever had on a borrower.

  • The early-exit bridge: a customer 18 months in needs the vehicle now. Your bank lends a downpayment-equivalent bridge against their accumulated contributions. When the voucher arrives, the contributions repay the bridge automatically.
  • The voucher-uplift bridge: voucher is $40,000, the customer wants a $50,000 vehicle. Your bank lends the $10,000 delta against the same behavioral profile that earned the voucher, originating a small, low-loss-rate loan.
TWO ORIGINATIONS, HALF-PRICED RISK
Early-exit bridge18 months in

Lend a downpayment-equivalent bridge against accumulated contributions. The voucher repays it automatically.

Voucher-uplift bridge$10,000

Voucher is $40,000, the customer wants a $50,000 vehicle. Originate the delta at a low loss rate.

Underwritten on 12-36 months of real behavior.

WHY THE CREDIT RISK IS DRAMATICALLY LOWER

Real behavior, not a credit-score guess.

12-36 months of history

You see 12-36 months of on-time contribution history before underwriting. That is a stronger signal than a FICO snapshot.

First-loss collateral

The customer's trust contributions act as first-loss collateral. Effective LTV is materially below face value of the bridge.

Beyond your own customers

You can lend to any Savings.Club customer, not just your own, expanding addressable market without expanding your branch footprint.

Lower CECL provision

Loss-rate assumptions for CECL feed off real program data, not your standard auto-book history. Lower provision per dollar originated.

WHAT YOU DO NOT TAKE ON, REGARDLESS OF TIER

Six no's your CRO and CFO will appreciate.

Zero credit risk

Zero credit risk assumed by the bank.

Zero CECL

Zero CECL loss provisions on origination.

Zero capital draw

Zero risk-based-capital draw.

Zero core rebuild

Zero core-system rebuild. Symitar, Jack Henry, FIS, Fiserv compatible.

Zero NIM correlation

Zero correlation with NIM cycles. Fee revenue is independent of rates.

Compliance-vetted

Compliance-vetted partnership model designed for FDIC / OCC / state regulator review.

THREE DEPLOYMENT MODELS

From a same-day handshake to a strategic product line.

Pick the integration depth that matches your bank's strategic intent. Most partners start at tier 1 and upgrade to tier 2 within 6-12 months as volume grows. Partnership economics are set in conversation.

1. Reseller

Easiest. Same-day start. One agreement, no integration required. Savings.Club is the customer of record, all infrastructure stays branded Savings.Club, and you earn a referral commission per converted customer. Best for: banks testing the model, or that want to monetize subprime auto rejections immediately without product investment.

2. Co-Brand

More control. Shared marketing. Your brand displays alongside Savings.Club in the app, with a dedicated landing page for your customers, light system access to read your customer referrals and outcomes, and better partnership economics than reseller. Best for: mid-size community banks committed to the model, ready to invest in a customer-facing co-marketing motion.

3. White-Label

Your brand. Our rails. Customers see your brand end-to-end, you are the first point of contact while we handle product mechanics, trust, and disputes, with deep system access and revenue-sharing economics that leverage every Savings.Club pool so even small community banks offer fast voucher cycles. Best for: community banks treating cooperative financing as a strategic product line and willing to absorb tier-1 customer support.

Is your bank a good fit?

If three or more of these resonate, a Savings.Club partnership is worth a 30-minute conversation.

  • You reject more than 20% of subprime auto applicants today.
  • Non-interest income is on your strategic priority list.
  • You have CRA exam pressure and want a defensible LMI-impact narrative.
  • You have considered partnerships with fintechs but balked at credit-risk-transfer terms.
  • NIM compression is showing up in your quarterly results.
  • You compete locally on relationships, not on rate sheets.

COMMON QUESTIONS

What banks ask us.

No. Member contributions sit in an irrevocable trust at US Bank under Jackson Hole Trust Company. The bank takes on no credit risk and no balance-sheet exposure across all three deployment models.

Related

Credit unions

The CU-specific framing of this partnership.

Trust structure

How customer funds are protected at US Bank under JHTC.

How a savings club works

End-to-end mechanics your customers will experience.

Start a partnership.

We reply within one business day with a partnership packet sized to your bank's situation. No drip sequences, no boilerplate, a real conversation about whether this fits your strategy.

Start a partnershipContact us

Tell us about your bank and we will reply within one business day.