Young & Free is a comprehensive young adult marketing program that is achieving significant on-going success for credit unions across North America. We help your credit union find a Young & Free Spokester whose job is to connect, educate and attract the next generation of credit union members.

Young & Free is a fully integrated young adult marketing program that has helped credit unions in the United States and Canada close the decade-plus age gap in the credit union industry. It requires dedicated resources, a decent budget and is very customizable. Young & Free is ideal for progressive credit unions looking to make an significant impact with young adults.

Gen Y, Millennials, Net Generation, Echo Boomers, Generation Next—no matter what label you give them, the fact is, credit unions are failing to attract the next generation of members. But it doesn't have to be this way. Your credit union can be relevant to young adults. You just need to talk to them in their way, on their terms and in a way that they understand. How do you do this? Hire a young adult. A young adult with energy, enthusiasm and a desire to learn and to share their learning with their peers. Your full-time Young & Free Spokester is empowered to create and is also equipped with world-class financial literacy tools showcased on a custom-branded website designed to fit with your credit union's look and feel.

We back up our Young & Free Marketing Program with expert guidance and years of experience. Our team is an extension of your marketing team and we work hand-in-hand with you and your Young & Free Spokester to ensure that your credit union makes an impact.

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The complete package for your credit union


Powerful combination

We start by developing a unique supporting brand identity system. Young & Free is a 100% credit union brand that is built to appeal to the 25-and-under crowd and to work with your credit union's established brand. The combination is both powerful and memorable.


Brand ambassador

Your full-time, local Young & Free Spokester is tasked with creating and curating amazing content and connecting online and in person. We help you find your Young & Free Spokester through our proven public search process plus, we also provide ongoing coaching.


Modern home base

With the rise of smartphones and tablets, it’s critical to have a platform that works well on all devices. Your modern Young & Free website is mobile responsive, automatically adjusting to whatever screen your audience is viewing it on.


Teach and inspire

Your Young & Free Spokester has access to a constantly growing, professional library of videos, articles and presentations focused on education and engagement. We are committed to providing and managing the best financial literacy content in the industry.


Social connection

A cornerstone of Young & Free is having a dedicated voice to be active everyday on major social networks. Your Spokester concentrates on Facebook, Twitter, YouTube and Instagram. Plus, he or she writes daily blog posts and produces weekly videos.


In-person engagement

Having your Young & Free Spokester out connecting in your community and at events is essential. We’ve found that having a Spokester also creates opportunities for partnerships and generates great media interest online, in print and on TV.

Killer content made by young adults for young adults

Take it to the next level, all included


Add products

We recommend adding a suite of young adult products to your program including a free checking account, car loan and credit card tailored to young adults. We provide guidance, naming and design to make your product suite stand out. It's all included.


Add scholarships

Use your Young & Free platform to celebrate and promote your scholarship program. This is a great way to publicize your philanthropy and to build long-lasting relationships with high schools and colleges. Development and management is included.


Add promotions

We’ve created dozens of effective ways to promote your credit union and engage with young adults. Everything from simple sweepstakes to elaborate video contests. Development and management of promotions is included.

Don’t just take our word for it


“Young & Free Alberta deserved to win the first-place Forrester Research Groundswell Award. Your application did a great job and just as important, it actually delivered business value. The big companies did too, but your application was more impressive based on the creativity and the results delivered on a limited budget.”

— Josh Bernoff, Forrester Research Senior Analyst and Co-author of Groundswell and Empowered


“I was a Young & Free Spokester then moved over to the credit union side and managed the program. I saw our young adult account grow from 0 to 6,000 over three years. None of that would have happened without Currency.”

— Chris Anderson, Marketing Manager, Listerhill Credit Union

“Currency knows how to make credit unions more relevant to new, younger members. I can't say enough good things about their thought leadership and true partnership with credit unions.”

– Eric Dillon, CEO,
Conexus Credit Union


“Maine credit unions reported a 4% growth in 18- to 25-year-old members over the initial 12-month period, and the average age of credit union membership moved down to age 45 from age 47 in one year. Since November 2011, Maine credit unions have reported consistent 7% account growth, with 60% of relationships new to credit unions. Clearly, Young & Free Maine is having a positive impact on Maine’s credit unions in attracting more young adult members.”

— Debra Trautman, AVP, Corporate Marketing for the Maine Credit Union League



“We recognize that our credit union needs to continue to get younger. We also realize that there is a cost to breaking through the clutter in order to find the next generation of members—but it’s a price worth paying for the long-term benefit of the credit union. The numbers are proving that.”

— Michael Poulos, President,
Michigan First Credit Union


“Young & Free is exactly what credit unions specifically targeting Gen Y need. Young & Free is an ideal model for true multi-media, integrated marketing. It is as near to perfect as anyone’s seen in any industry.”

— Jeffry Pilcher, Publisher,
The Financial Brand

39 Spokesters, 250,000 members and growing

First come, first served

All regions are exclusive and are licensed on a first-come, first-served basis. We will not license Young & Free to banks. For Young & Free, regions are defined geographically by state and provincial borders. The first qualifying credit union in each region to sign an agreement will secure regional rights to the program.

Let’s chat

Fill out the short form at the top of this page and we'll reach out to schedule a time to talk to you about Young & Free and how it might work for your situation. You'll learn about the full program details including costs.

Young & Free® and Spokester® are registered trademarks of Currency Marketing