Expand Effectively

CUCollaborate has a variety of tools that can help you expand your field of membership and streamline your processes. All our software and content is built with you in mind. WE can help you overcome an of your credit union problems. Contact us today to learn more!


ExpandCU is credit union field of membership software that helps every kind of credit union identify how to best grow its field of membership. Whether small or large, federal or state chartered, multiple common bond or community focused, ExpandCU assists credit unions in identifying the optimal area that its regulator will approve or the optimal organizations for the credit union’s business development team to attract as new SEGs. ExpandCU also generates the amendment application instantly.


CUCollaborate’s mission is to help credit unions accelerate growth while reducing expenses and risk. One way we accomplish this is by helping more consumers find, join, and borrow from credit unions. CUCollaborate offers JoinCU to credit union leagues and associations looking to support and grow credit union membership. JoinCU is our consumer eligibility validation solution.

SEG Application

We streamline the SEG application process so you can spend more time focused on expanding your membership. The application makes it easier and less confusing for select groups to complete all of the necessary paperwork when applying to become a SEG. It also automates completion of all of the necessary paperwork on the credit union’s side as well. Once a perspective group completes the form, you will receive an email with completed copies of the proper documentation including a signed SEG request letter and completed 4015 document, making the select employee group eligible much quicker than by doing this process manually.    

Field of Membership Handbook

We sorted through the maze of the NCUA's Chartering and Field of Membership Manual (701 Appendix B) and all the relevant forms to bring them together for you. Download our Field of Membership Handbook here.

Our field of membership handbook covers:

  • federal charters
  • state charters
  • single common bonds
  • multiple common bonds
  • community charters
  • low income designation
  • mergers

Low Income Designation Handbook

Credit unions have a philosophical and legal obligation to serve all members within their field of membership. Did you know that receiving a low-income designation earns many benefits for credit unions, including expanded field of membership and capital authorities? Download our Low Income Designation Guide here!

Content includes:

  • How to qualify
  • Expanded FOM authority
  • Secondary capital options
  • Member business loan exemption
  • Available loans and grants
  • Relevant regulations

State Charter to Federal Charter Checklist

It’s a big investment of time and money to convert. When a state-chartered credit union converts to a federal charter, they are treated the same as any application for a federal charter. The NCUA will perform an on-site examination as appropriate and consult with the state regulator regarding the credit unions financial condition, management expertise and past performance.

You can download our helpful conversion checklist to help you convert from a state-chartered credit union to a federal charter credit union.

Federal Charter to State Charter

Even though the NCUA recently opened up some of its field of membership options, some credit unions may still find a state charter better suited to their strategy and needs. In addition, some state credit union field of membership regulations include a parity clause that allows credit unions chartered in that state to follow the federal FOM regulations if they provide greater authority than the state regulation.

You can read more about converting from a federal charter to a state charter in our blog. We will outline it step by step for you!

Federal Community Charter to Multiple Common Bond Charter

A federal credit union may be chartered to serve a combination of distinct, definable single occupational and/or associational common bonds. This type of credit union is called a multiple common bond credit union. Each group in the field of membership must have its own occupational or associational common bond. For example, a multiple common bond credit union may include two unrelated employers, or two unrelated associations, or a combination of two or more employers or associations. Additionally, these groups must be within reasonable geographic proximity of the credit union.

You can download our helpful conversion checklist to help you convert from a federal community charter credit union to a federal multiple common bond charter credit union.