Local Credit Unions' Secret Weapon: Turning Morning Coffee into Core Deposits

Competing with big banks is like bringing a water balloon to a chainsaw fight.

Their TV commercials flood prime time.

Their billboards tower over highways.

They dump billions into their marketing budgets,

Crowding out local credit unions that pour their energy into helping members—not just profits.

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But HNWIs are easier to reach than ever before.

They’re just not where big banks are looking.

While Chase and Bank of America are burning billions on mass marketing,

Your local customers are spending 15 minutes every morning doing something completely...ordinary.

They're reading local news.

Local news like...

• The weather
• New restaurant openings
• Local performances
• School calendars
• Events at the town library

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The Credit Union's Newsletter Advantage: Hidden In Plain Sight

So instead of printing out brochures and sending out mailers,

You can send out a newsletter that local citizens will actually read.

What's amazing about local newsletters...

• They get opened MUCH more than traditional emails/mailers
• They target specific zip codes where your customers live
• They reach primary readers who are 45+ and making key financial decisions
• They cost a fraction of traditional marketing
• They can be handed off to an entry-level employee or intern

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The big banks can't replicate this.

They're too big, too removed, too focused on national campaigns to deliver the local insights your prospects already crave.

So how do you do this?

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The 3-Step System To Getting Your CU Noticed First Thing In The Morning

1. Build Your Local List (Simple Tech Skills Required)

- Run a lead generation Facebook ads with images of recognizable landmarks in your town

- Target your field of membership zip code(s) only

- Set up an email sending platform like Beehiiv for the newsletter itself

- Set up an automation platform like Zapier/Make to connect the Facebook ads to the beehiiv platform to collect the subscribers.

We find these ads attract more affluent readers and town communicators (primarily women 45+).

2. Create News Content In Minutes

- Research and find articles on places like Google Alerts or Feedly

- Set up your newsletter inside of Beehiiv

- Use AI (preferably Claude.ai) to generate original content from existing news stories

- Cover community events, business openings, and local developments

- Add your bank's message and links naturally within content people already want

3. Send It Out!

We've found each edition only takes about 20 - 30 minutes to make,

And these newsletters get loyal readers that check it almost daily.

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After reading this, there are only two paths forward:

Path 1: Keep Playing The Big Banks' Game

• Continue throwing money at declining traditional channels
• See your best prospects pulled into big bank relationships
• Fall further behind in the accelerating digital age
• Slowly lose your competitive edge in the community

Path 2: Seize The Local Advantage

• Sell your bank to your community...without them feeling sold
• Have mature local citizens already familiar with your bank
• Reach families in your own backyard with the click of a button
• Build constant exposure to a town that you have deep roots in

So if you're a credit union that's tired of watching big banks steal your best members,

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And you're a credit union with a toilet that's clogged from all the marketing money you've been flushing down it...

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And you're a credit union that genuinely cares about the future of your community,

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Send me a message and let's talk about what this could look like for you.