2025: Year in Review

Dear Members,

In 2025, we advanced our commitment to continuous digital improvement—delivering smarter tools, stronger security, and enhanced experiences that make managing your finances easier, safer, and more rewarding than ever. Our focus isn’t just about keeping up—it’s about leading the way and ensuring you have access to the very best tools and experiences—so that you can bank at the speed of life.

This past year was one of change and resilience across the financial landscape. With persistent inflation pressures and evolving federal policies, many Americans faced uncertainty. Against this backdrop, Quorum worked hard to give you stability, value, and tools to thrive.

Here are some of the ways we’ve worked to benefit you in 2025:

• Smarter, More Connected Banking:
  We launched the External Account Aggregation feature in online banking, allowing you to link and move funds between Quorum and other financial institutions with ease.
• Personalized Financial Wellness:
  Our new Transaction Data Enrichment and Financial Wellness tools help you understand your spending, set savings goals, track progress, and budget effortlessly. These enhancements give you clearer insights and more control over your financial journey.
• Faster, More Reliable Deposits:
  We added Real Time Payment (RTP) network support for payments enabling immediate transfers between other participating banks, providing greater flexibility for time‑sensitive transactions.
• Safer Account Access:
  With our new Shared Access feature, you can invite trusted individuals to access your account with custom permissions—no need to share passwords, making account management safer for you and your family.
• Streamlined Applications:
  We optimized our membership and loan application technology, making it faster and easier. Plus, our new Money Movement Hub brings transfers, bill pay, Zelle®, mobile deposit, and wires together in one convenient place.
• Enhanced Mobile Experience
  We introduced Instant Send Transfers for eligible transactions, saving you time by eliminating the previous three-day waiting period.
• Award-Winning Service and Products
  We’re proud to have been named Bankrate’s Best Credit Union and Best Savings Account of 2025, as well as recognized by CNET, Yahoo! Finance, Business Insider, and others as one of the Best Credit Unions in the nation. These honors reflect our commitment to delivering exceptional value and service.
• Enhanced Security:
  We deployed advanced web security features to ensure your information is protected and always accessible.
• Member-Focused Support:
  Our contact center now uses AI-powered tools to deliver faster, more personalized service, so you get the help you need when you need it.

These enhancements reflect our commitment to evolving alongside your needs—turning innovation into meaningful improvements that keep pace with your life. Looking ahead to 2026, you can expect even more advanced features, expanded product choices, and a relentless focus on making your experience with Quorum secure, simple, and rewarding.

Thank you for your trust and partnership. We’re proud to be your credit union.

Warm regards,
Jeffrey Pachter
President & CEO