Auto Financing Expansion Capitalize on the Carvana partnership by making Emery the exclusive auto loan partner for Carvana buyers and creating joint marketing campaigns to drive digital loan applications. Offer member loyalty incentives for financing through Emery and develop a dedicated auto loan portal to simplify applications. Target the 350 plus employer network with tailored auto purchase programs for employees and their families.

Employer Network Growth Scale through the existing employer network by offering a bundled business banking solution to employers, including deposit products, payroll integration, and employee loan programs. Build an Employer Growth Program with incentives for high retention, and equip HR teams with ready-to-share financial wellness content to boost member recruitment and engagement.

Tax Fintech Synergies Expand the TurboTax collaboration into broader tax-season promotions and ongoing tax planning tools, plus explore integrations with popular accounting software for small businesses. Develop co-branded educational webinars and guides to help members manage year end tax work, while cross-selling related financial products.

Digital Experience Upgrade Enhance digital onboarding and mobile banking to improve new member conversion and retention. Propose CRM and marketing automation integrations with Emery's current tech stack to streamline lead capture from employer campaigns and deliver personalized offers while maintaining security.

Trust Growth Platform Leverage Emery's not-for-profit, member-owned model and federal insurance to attract community-focused businesses as partners. Create sponsorship and co-branding opportunities, case studies with existing employer partners, and scalable service offerings that demonstrate stability and member value to potential corporate clients.