CU*BASE collects and retains an incredible amount of data about your members and non-members. Why not use that information to manufacture opportunity for the credit union? Contact individuals with a credit score between 600 and 640 to offer a reduced monthly payment on their current auto loan. This particular credit band is selected in the example as it’s likely this group of individuals will be more sensitive to monthly payment than overall interest rate. This will save your members money each month and grow your loan portfolio at the same time!