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The SaaS Solution Built for Credit Unions

Retain by TrueML Products

Retain is a scalable, white-labeled digital communication platform designed to help credit unions enhance member engagement, automate personalized outreach, and optimize recovery efforts.

Powered by machine learning, Retain ensures compliance-friendly, multi-channel member interactions that drive better financial outcomes and strengthen long-term member relationships—all while keeping operational costs low.

Special Offer for GAC Attendees:
First 1,000 Accounts Free with

Contract Signed by May 31st!

Future-Proof Your Member Engagement Strategy

Retain leverages advanced artificial intelligence (AI) to help credit unions connect with members at the right time, on the right channel, and in the right context—resulting in higher member satisfaction and improved repayment outcomes. We focus on delivering your credit union’s content in a way that truly resonates with your members, ensuring every message counts.

Retain Funnel Graphic

The Retain Difference for Credit Unions

  • Regulatory Alignment: Built-in, advanced compliance functionality you can tailor to your organization’s specific needs.
  • Data Security: Retain is PCI and ISO 27001 certified, protecting member and organization data from bad actors and breaches.
  • Scalable Infrastructure: Our digital-first strategy is infinitely scalable—skipping the costly fluctuations of managing headcount.

Digital Channel Options

Retain’s SaaS offers a suite of digital communication channels including email, SMS and voicemail drop to meet your members where they are and provides fully compliant email and SMS functionality at scale including opt-out reporting for your consent management.

SMS phone Retain SAAS

SMS

Email Tablet Retain Saas

Email

Voicemail Retain Feature SAAS

Voicemail

Resources

eBook

The Credit Union’s Guide to Digital Engagement for Past-Due Members

Learn about digital-first engagement through optimized delivery platforms designed with credit unions’ dedication to member experience.

Article

Credit Unions Face Challenges—and Opportunities—Engaging Past-Due Members

There’s a better way for credit unions to engage and empower their members to repay their loans—and it starts with better communication delivery.

Article

Credit Unions & Collections in 2025

Should your business create and maintain a digital engagement program internally or partner with a trusted and experienced third-party service provider?

Client Testimonial

"TrueAccord's performance has far exceeded our expectations. Members can choose to engage & self-serve at their discretion. Members create more complaints when they have to talk with somebody, but because of your approach & self-service options, we're in a better place with complaints. No matter how good or bad the member is, they're still members and that's how we treat them no matter what. It's great to have an agency partner that treats each member the same way & performs as well as you do.."

VP, Consumer Lending Operations & Servicing, T-25 Credit Union

"Retain allows us to leverage the power of digital communications which has redefined how we connect with our customers. With minimal effort, we’ve been able to implement email strategies and have seen impressive results using Retain."

Consumer Fintech Client

"Retain allows us to leverage the power of digital communications which has redefined how we connect with our customers. With minimal effort, we’ve been able to implement email strategies and have seen impressive results using Retain."

Consumer Fintech Client

"Using Retain has helped us fully automate email and SMS outreach efforts. Engagement increased as did the number of scheduled payments, reducing the number of eventual charge-offs on our books. These efforts have also allowed our internal team to focus on other high priority areas of the business."

Reach Financial LLC

"We tested Retain against another provider and the results were clear: Switching from call-and-collect outreach to using Retain’s digital-first approach presented new opportunities to communicate with our customers on their preferred channels, meaning better engagement and improved return rates."

Consumer Financial Services Provider Client

"The ease of use has been great. The implementation team worked with us and was willing to find creative solutions to help our business, and replacing our old approach with Retain has had huge cost savings benefits."

Lauren Scanio, Senior Customer Service Manager, Financial Services Client