Credit Union Banking
Banking built for your credit union.
Murmuration gives your credit union its own banking facilities within the platform — supporting day-to-day operations, payments, liquidity, settlements and reserves without relying on separate banking processes.
- Operating
- Treasury
- Settlement
- Reserves
The accounts your credit union needs
Four accounts. One banking platform.
Give your credit union dedicated accounts for the different ways money needs to be managed — all within the Murmuration platform.
Operating Account
For your credit union’s day-to-day banking activities and payments.
Treasury Account
For managing liquidity and your credit union’s treasury position.
Settlement Account
For managing payment settlements efficiently.
Reserve Account
For managing and maintaining your credit union’s reserves.
Your credit union’s banking. All in one place.
Make payments simply and efficiently
Everything your credit union needs to move money.
From everyday transfers to payroll and supplier payments, Murmuration gives your credit union the banking capabilities it needs to manage money efficiently.
Internal transfers
Move money between your credit union accounts.
Faster Payments
Send and receive Faster Payments.
Bulk payments
Process multiple payments more efficiently.
Supplier payments
Manage payments to your suppliers.
Payroll payments
Make payments to your employees.
Ecosystem payments
Move money immediately within the Murmuration ecosystem.
Know where your money is
Real-time visibility across your accounts.
See balances and transaction activity across your credit union accounts in real time, with the information your team needs available in one place.
- Real-time balances
- Transaction history
- Statements
- Exports
Keep more banking within Murmuration
Less reliance on separate banking processes.
With its own banking facilities within the platform, your credit union can manage more of its day-to-day financial operations without relying on separate external banking processes.
Immediate transfers
Move money quickly between accounts and within the Murmuration ecosystem.
Reduced banking costs
Reduce the costs associated with your credit union’s everyday banking activity.
Low-cost internal payments
Benefit from free or low-cost payments within the Murmuration ecosystem.
Fewer external processes
Reduce reliance on separate banking processes and providers.
See more than your balance
Understand your financial position at a glance.
See the measures that matter to your credit union, helping your team understand liquidity, cash position and the capacity available to lend.
Loan-to-deposit ratio
Understand the relationship between member deposits and lending.
Liquidity ratio
Keep sight of your credit union’s liquidity position.
Available lending capacity
See how much capacity is available to support further lending.
Cash position
Understand your current cash position.
Reserve balances
Keep track of your credit union’s reserves.
Forecast inflows and outflows
See expected movements in and out of your credit union.
Your credit union needs banking too
Credit union banking. Built into Murmuration.
Murmuration isn’t only the platform you use to serve your members. It gives your credit union the banking facilities it needs to operate — from everyday payments and settlements to treasury, reserves and liquidity.