CU Empower is your all-in-one financial wellness app, designed for UK credit union members. Take control of your finances, well-being, and future with expert guidance from Luna, your personal financial coach.
Inspired by the moon, Luna provides tailored financial, mental, and physical wellness coaching, helping you make informed decisions that align with your unique goals.
Holistic Support
Luna guides you through budgeting, savings, mental resilience, healthy living, and personal growth—all in one intuitive platform with real, actionable support.
Customisable Experience
Make Luna truly yours by customising your virtual guide's appearance and preferences to create a more personal and engaging financial wellness journey.
Core Features That Empower You
Open Banking Integration
Track spending across accounts, manage budgets effectively, and detect financial risks before they become problems—all through secure connections with your existing accounts.
Financial Literacy Tools
Build confidence with interactive lessons, gain real-time financial insights, and benefit from coaching tailored to your knowledge level and goals.
Industry-Leading Security
Rest easy knowing your data is protected by cutting-edge cybersecurity measures that meet and exceed UK financial regulations and protection standards.
Luna's AI-Driven Support
Personalised Insights
Receive custom financial recommendations based on your spending patterns, savings goals, and life circumstances that evolve as your needs change.
Proactive Guidance
Get gentle nudges when you're approaching budget limits, reminders for financial goals, and celebrations when you reach important milestones.
Holistic Approach
Experience support that recognises the connection between financial health and overall wellbeing, providing integrated advice that considers your whole life.
Comprehensive Wellbeing Resources
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Mental Health Tools
Access guided meditations, stress management techniques, and mood tracking to support your emotional wellbeing during financial challenges.
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Fitness Challenges
Join community fitness activities that improve your physical health while connecting with other credit union members on similar wellbeing journeys.
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Development Plans
Build personal and professional skills with customised learning paths that enhance your career prospects and financial potential.
The Four Phases of Wellness
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New Moon - Financial Health
Start your journey with foundational financial tools for budgeting, savings, debt reduction, and future planning.
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First Quarter - Mental Wellbeing
Build emotional resilience through stress management, mindfulness practices, and guided journaling exercises.
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3
Full Moon - Physical Wellness
Enhance your physical health with fitness challenges, sleep tracking, and nutrition support that complement your financial goals.
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4
Last Quarter - Growth
Expand your horizons through skill-building, career development, and community volunteering opportunities.
Security & Trust
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UK Financial Regulations Compliant
CU Empower adheres to all FCA guidelines and UK financial regulations, ensuring your data and finances are handled with appropriate care and oversight.
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End-to-End Encryption
Your personal and financial information remains encrypted at every step, from your device to our servers and back, preventing unauthorised access.
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Transparent Data Policies
We clearly explain how your data is used, never selling your information to third parties or using it in ways you haven't explicitly approved.
Community & Credit Union Integration
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Built For Credit Unions
Designed by credit union experts to integrate seamlessly with existing systems and reflect the cooperative principles that make credit unions special.
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Member Community
Connect with fellow members to share tips, celebrate financial wins, and support each other through challenges in our moderated community forums.
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Local Focus
Access information about local financial events, workshops, and opportunities specific to your credit union and geographic location.
How CU Empower Grows With You
Initial Assessment
Begin with a comprehensive financial and wellbeing evaluation to establish your starting point and identify priority areas for improvement.
Goal Setting
Work with Luna to establish realistic, achievable goals across financial, mental, and physical wellness domains with personalised timeframes.
Regular Progress
Track your advancement through interactive dashboards that show your improvement and adjust recommendations as your circumstances evolve.
Advanced Mastery
Graduate to more sophisticated financial strategies and wellness practices as you build confidence and competence through the platform.
Get Started Today
How do I access CU Empower?
Contact your credit union directly or click the "Connect" button to request access. Current credit union members can typically be set up within one business day.
Is there a cost to use the app?
CU Empower is offered as a free benefit to members of participating UK credit unions as part of their commitment to improving member financial wellbeing.
Can I try before I commit?
Yes! Click "Explore the CU Empower Interactive Prototype" to test drive the app's features and see how it can benefit your financial journey.