If you’re a university student or worker in central Texas, there is a good chance you do your banking with UFCU. Austin’slargest locally owned financial institution, the credit union manages $3.7 billion in assets; serves more than 200 regional organizations, including universities, associations, and employers; and employs more than 700 people.

While supporting the financial health of its 336,000 individual Members has long been part of UFCU’s mission, the credit union’s leaders realized that serving their Members best meant focusing on their own employees first.

Establishing a Baseline

The first step? Getting a baseline understanding of their employees’ financial health.

To understand the issues employees were facing, UFCU conducted a survey in 2018 using the Financial Health Network’sFinHealth ScoreⓇ. Three-quarters of its employees took the survey, which showed 69% of respondents were either “Financially Vulnerable” or “Financially Coping,” meaning that they struggled with some or all aspects of their financial health. According to the survey, UFCU’s employees experience challenges with savings, debt, and spending in particular.

这些findings guided the initial strategy and design for UFCU’s 2019 introduction of thePlanU program, which included one-on-one sessions with financial health specialists, seminars, an online education program, small group meetings, and a savings challenge. In 2021, the program expanded to include a mobile app. Today, versions of the program remain available to employees and are being piloted with key credit union partners.

Designing With Employees at the Center

While improving financial health was at the center of PlanU, the credit union also was very deliberate in its employee-centric approach to designing and promoting the program. Early on, UFCU made a key decision to frame financial health as something every employee could use – no matter their status or circumstances – dispelling a myth that someone should be an expert in personal finance just because they work at a financial institution.

UFCU还将财务卫生成为公司文化的一部分，并通过将该计划纳入其有关员工福利的沟通来鼓励参与Planu。Planu在招聘期间，新员工入职和日常员工编程期间被特别提及为员工福利。UFCU还强调机密性，并在定期，付费工作时间内参加该计划的会议和研讨会。

Applying a Toolkit Insight: Design for Engagement

UFCU认识到，对隐私和不愿谈论个人理财的担忧可能会阻止员工参与Planu计划。该公司的领导人通过确保与财务健康专家的每一次会议都完全保密，从而主动解决了这些问题。为了促进该计划，并在谈论工作中的钱方面增加了员工的舒适感，从高级管理人员到一线人员的每个人都在领导，部门和组织会议上共享财务健康证词。

Visit theDesign for Engagementsection of the Toolkit for more guidance on how to promote employee engagement with your financial health initiatives.

UFCU在2021年2月再次对其员工进行了调查，并发现节省，借贷和支出类别的重大改进与其最初的2018年调查结果相比。例如，报告至少两个月的液体节省费用的员工人数增加到2021年的近三分之二（63％），高于2018年不到一半（45％）。

Growing PlanU to Serve Members and Other Employers

Building on the initial success of the internal PlanU program, the credit union has focused on identifying opportunities to grow the program. In 2021, UFCU deployed its PlanU app and online activities in a successful pilot program with credit union Members and is currently piloting the program with another employer in the area, Goodwill Central Texas. The credit union next plans to roll out PlanU to additional employers and universities, while working toward expanding the program to all of its Members.

UFCU is also investing in the technology needed to measure the impact of its program over time. In 2021, the company embedded the Financial Health Network’sAttuneplatform into PlanU. This has enabled UFCU to survey PlanU participants about their financial health, using a back-end analytics dashboard to review and parse the data and comparing participants’ progress against national and regional benchmarks from theFinancial Health Pulse.

经过三年的重点，专注于财务健康战略，财务状况不仅成为UFCU的一个概念，而且还有影响力地证明了其对员工和成员的承诺 - UFCU使命的核心。

Employer FinHealth Toolkit

Build better employee financial health strategies with this comprehensive guide for HR professionals.

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