Average Member Acquisition Cost Hits $565

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By Debbie

Based on NCUA call report data, Debbie Inc. has calculated that the average member acquisition cost across the top 100 credit unions just hit $565, and 15% increase from 2024.

Credit unions have, on average, increased their marketing and education budgets by 15% for 2025 YTD, driven primarily by a reinvigoration in loan/deposit acquisition strategies, and rebrand efforts. Of the top 100 credit unions, 16% are currently losing members, 44% are flat or near flat with respect to member growth, and 40% are gaining membership.

Debbie Inc. publishes an annual MAC (Member Acquisition Cost) report, which will be released in Q1 2025. The report covers:

  • Where credit union marketing investment dollars went
  • The most cost-efficient marketing channels
  • Average self-reported member acquisition cost
  • Featured credit union profiles that are bucking the trends, as well as interviews

Complete a quick survey and receive early access to the report.

Connect with Debbie to learn more.

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Debbie

Debbie was built with the philosophy that the way to drive long-term financial behavior is by aligning positive incentives between consumers and financial institutions. That’s why Debbie is the first platform to reward and pay consumers to improve their financial habits, like making on-time payments, saving, and spending smartly, all while driving new members to you.

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