Cupera
Parent company

Credit unions run on their people. We build the tools that help them hire, train and serve.

Cupera develops a connected portfolio for the credit union industry: a verified job board, an AI financial fitness coach, professional books, department-level training, and a member rewards concept.

Explore the portfolioRequest a briefing
The Cupera family

Six ways we help credit unions hire, train and serve better

JCreditUnionJobs.usHireTCupera TrainingLearnBCupera BooksReadRRacunCoachSSAFEAssessCCU CoinConcept
The portfolio

Six offerings. One purpose.

Each product works alone. Together they cover the full path from finding the right person to helping that person serve members well.

Working prototype

CreditUnionJobs.us

A job board for credit unions, CUSOs and the companies that serve them. Verified listings and one-tap Quick Apply.

View product → In design

Racun

An AI financial fitness coach that credit unions can place inside their digital banking app.

View product → In writing

Credit Union Books

A professional book series on business development, history, community impact and the future of credit unions.

View series → In design

Training and Development

Training modules for every credit union department, built for federal or state charters and for each state's rules.

Build a package → Concept

SAFE, Self Assessment Friend for Employees

A feedback loop where employees, managers and leaders assess themselves, their teams, their training and the credit union's direction.

From $3.50 per person per month. Free 90-day pilot for founding partners (proposed).

Explore SAFE → Concept, under legal review

CU Coin

A member rewards concept that credits healthy money habits across checking, savings, cards and loans.

Explore the concept →
How it fits together

Better people make better credit unions.

Credit unions that hire well, develop their teams and give members useful tools deliver a better member experience. Each Cupera offering supports one step of that cycle.

Attract

Find the right people

CreditUnionJobs.us connects credit union employers with candidates who want a credit union career.

CreditUnionJobs.us →
Develop

Build skills and leaders

Department training and the professional book series give staff and leadership a shared foundation.

Training →
Serve

Help members with money

Racun gives members guidance on saving, fees, earning more and planning, inside the credit union's own app.

Racun →
Reward

Recognize healthy habits

CU Coin is a concept for rewarding the money behaviors that make members financially healthier.

CU Coin →

Stronger member experience → stronger credit union → ability to attract and keep better people.

For credit union leaders

Adopt one offering, or the whole portfolio.

The offerings are designed to work together, so a credit union can start with the one that solves today's problem and add others as it grows.

Request a briefingAbout Cupera
  • ✓
    Recruit through CreditUnionJobs.usPost roles and receive complete, ranked applications through Quick Apply.
  • ✓
    Embed Racun in the digital banking appOffer members a financial fitness coach under the credit union's own name.
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    Train staff and develop leadersUse the books and department modules for onboarding and leadership programs.
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    Reward members for healthy habitsEvaluate CU Coin once the legal path is cleared.
Andrés De La Mora, founder of Cupera
Founder

Andrés De La Mora

Andrés is a credit union expert, passionate about the credit union industry and fixing it in simple, real ways: hiring the right people and training them to become the best leaders, so credit unions make the biggest possible impact on their members and communities.

He founded Cupera. The name is a play on coopera, Spanish for "cooperate," and it carries the cooperative spirit of the credit union movement.

He is the author of Business Development for the Modern Credit Union, the first book in the Cupera series. See the books

Need a speaker for your conference, a guest for your leadership development program or a visit to your company holiday party? Speaking engagements

Our standards

How we work

These are rules for every Cupera product and for this website.

No stock photography

We do not use stock photos or staged images of people. Our sites use plain design and real product screens only.

Honest status

Every product is labeled by its real stage: prototype, in design, in writing or concept.

No invented proof

No made-up testimonials, client logos or statistics. Numbers appear only when we can source them.

Value before revenue

Job seekers and members get real help first. Credit unions pay for outcomes that matter to them.

Attract

CreditUnionJobs.us

A job board built only for credit unions, CUSOs and the companies that serve them.

Working prototype
CreditUnionJobs.us Jobs screenCreditUnionJobs.us Plans screenCreditUnionJobs.us Career screenCreditUnionJobs.us Games screenCreditUnionJobs.us Give Back screen
Preview

See it before you click

These are screens from the working prototype. Tap a tab or swipe the phone to look around, then open the real thing.

Visit CreditUnionJobs.usBecome a founding partner

Sample listings and fictional credit union names.

What job seekers get

  • ✓
    Verified listingsEvery job comes from a verified credit union employer. Salary is shown on the card.
  • ✓
    Quick ApplyApply inside the site in one tap with answers prepared from your profile. No redirect to another website.
  • ✓
    Career and pay guidanceSee what a role should pay and what a next step could add.
  • ✓
    Opt-in outreachCandidates choose whether recruiters and employers can contact them.

What credit unions get

  • ✓
    Quick Apply on every planComplete, ranked applications with a match score and screening answers.
  • ✓
    A reply pledgeEmployers commit to respond within 7 days. Candidates see status as it changes.
  • ✓
    Screened recruitersEvery recruiter is reviewed before they can reach a candidate.
  • ✓
    Founding partner periodEarly employers can post free for 90 days.
Pricing

Plans for job seekers, employers and recruiters

Proposed plans. Quick Apply is on every plan.

See plans and pricing
Status: The product is a working prototype with sample listings and fictional credit union names. Reply rates and hiring results are goals, and we will publish real figures after launch.
Visit CreditUnionJobs.usBecome a founding partner
Serve

Racun, your members' financial fitness coach

A friendly coach inside your digital banking app who walks with each member through their whole financial life.

In design
Meet the coach

Racun, your financial fitness coach. He levels up as you do.

Every member gets a fitness plan: save, watch your credit score, balance the budget, pay down debt, keep learning. The more you follow it, the stronger Racun gets. Try the sample plan below.

$$$
Rookie
Hi, I'm Racun, your financial fitness coach. Tap a workout to start.
Cu Cu
Level 1Rookie
0 XP100 XP to Level 2
Today's fitness plan
Sample plan. Tap each workout when you finish it.
Fitness stats

This is a demonstration with sample tasks and no real accounts. In a credit union's app, Racun would connect to the member's own goals and activity. Racun gives general education, not personal financial, legal or tax advice.

Hi, I'm Racun! I help you save, plan, budget and learn, one small step at a time.
$
Meet Racun

A coach for the whole journey.

Racun follows a member through their lifetime with the credit union. He helps them save, plan and budget, and teaches them the basics through short training lessons, so members understand their money and what it means to belong to a credit union.

Request a quote
Lifetime journey

With members at every stage

Racun meets members where they are and grows with them.

First account

Teaches kids and teens what money is and how a savings account works.

First job

Helps set up direct deposit, a first budget and an emergency fund.

Building credit

Explains credit scores in plain words and how to raise one.

Big purchases

Prepares members for a car loan or a first home, and helps them avoid avoidable fees.

Saving and investing

Teaches investing basics and sets goals with automatic transfers.

Planning ahead

Covers retirement, a will and a trust, and what to leave behind.

Training for members

Lessons that make members smarter with money

The same way Cupera trains credit union staff, Racun can train members. Short lessons build understanding and trust, and members who understand their credit union use it more.

  • ✓
    What a credit union isMember ownership, not-for-profit, and why it matters.
  • ✓
    Budgeting and savingSimple habits that work on any income.
  • ✓
    Credit scores and debtHow scores work and how to improve them.
  • ✓
    Investing basicsGeneral education for beginners.
What credit unions control
  • ✓
    BrandingRacun appears in the digital banking app under the credit union's chosen presentation.
  • ✓
    Content and limitsThe credit union sets which topics and products Racun may discuss.
  • ✓
    Education, not adviceRacun gives general education and does not replace a licensed financial, legal or tax professional.
Pricing

Request a quote

Racun is quoted for each credit union, because adding him to a digital banking app depends on your provider and your goals.

Request a quote
Status. Racun is in design. The illustration shown is a concept drawing. Adding Racun to a digital banking app requires integration with each credit union's provider.
Develop

Professional books for the credit union industry

A series for leaders and staff, written to be used in onboarding, leadership programs and professional development.

In writing
Book 1

Business Development for the Modern Credit Union

Cupera Books

How credit unions should approach business development in the current age. The manuscript is written and moves to editing next.

Book 2

The History of the Credit Union Movement

Cupera Books

Where the cooperative model came from and the decisions that shaped it. Planned.

Book 3

The Future of Credit Unions

Cupera Books

Technology, talent, competition and the choices ahead. Planned.

Book 4

The Community Impact of Credit Unions

Cupera Books

A history of what credit unions have done for the communities they serve. Planned.

Titles are working titles. More books are planned.

Pricing

Buy one book or the whole series

Proposed prices. Books are not on sale yet.

See all book pricing
Use in your credit union

Books that support training

  • ✓
    Staff onboardingGive new hires shared context on the movement and the member relationship.
  • ✓
    Leadership programsUse a title as the reading for a cohort, with discussion guides planned.
  • ✓
    Group licensingVolume purchase options for credit unions are planned.
Develop

Training and development for every department

Modules written for credit union work, with versions for federal and state charters.

In design
Build your training packagePlanning tool
Charter type
Departments
Your package0 modules
Plans

Choose how your team learns

Branded for you

Training that looks like your credit union, not like the industry

Every module is branded to the credit union that licenses it: your name, your logo, your colors, and scenarios set in your branches. When a teller opens a lesson, it feels like theirs. Try it with your own name and color.

Sample screen with a made-up credit union. Your real logo, colors and branch names are set up for you when you license the training.

MV
Maple Valley Credit UnionTeller essentials, lesson 4 of 12
Pick the best next step.
Included in every package. Your credit union's name, logo and colors on every module, plus your name in the scenarios.
Optional add-on (proposed). Custom scenes with your real branches, staff and local scenarios, and your own policies. Priced by scope. See pricing.

By department

Each department has its own module set, so a lender and a teller each train on their own work.

By charter and state

Federal charters and each state's rules get their own versions of the regulatory content.

As a full package

Credit unions can license the entire program for onboarding, learning and development. See pricing.

Status: Modules are in design. Regulatory content will be reviewed by qualified compliance counsel for each jurisdiction before release. Prices are proposed estimates, not final.
Reward

CU Coin

A rewards concept for members who build healthy money habits, with value shown beside checking, savings, cards and loans.

Concept, under legal review
The key question

What kind of coin is it?

The hard part is not the idea. It is deciding what the coin legally and technically is. There are three paths, and each carries a different regulatory load.

PathHow it worksTransfersRegulatory loadOur view
A. Closed-loop rewardsPoints earned and redeemed at one credit union at a fixed dollar value.Within the same credit union, such as parent to child.LowerStart here.
B. Shared rewards networkParticipating credit unions honor each other's coins, with settlement between them.Across credit unions and states.Moderate to highBuild toward it after A works.
C. Crypto-style tokenA tradable token on a ledger with its own market value.Open transfer.HighestNot now.

Regulatory load is our own planning assessment. Paths B and C likely raise questions under money transmission, securities and commodities rules, tax reporting and credit union regulators. Counsel must confirm before any build.

Illustration

How a member could earn

Adjust the actions to see a balance and its dollar value. All coin amounts and the exchange rate here are made-up examples for discussion.

Earn simulatorExample values only
Actions this year

Example rate: 1 coin per $10 on debit, 2 coins per $10 on credit.

Example redemption value
Example balance0 coins
Send coins (concept)

Why this matters: A coin that can only be spent at the issuing credit union is far simpler than one that moves between credit unions. Moving coins between credit unions would need a shared network, agreed values and settlement, so we treat it as a later phase.
Pricing

Plans and pricing for every Cupera offering

Start with one product or adopt the whole portfolio. The portfolio costs less than buying each piece separately.

Proposed, not final
Read this first. These prices are our best planning estimates. They are not quotes and they are not drawn from market data. We will adjust them after talking with credit unions.

The Cupera Portfolio

One annual agreement covering training, CreditUnionJobs.us and the book library. Racun is added by quote. Pick your size and the products you want to see the price.

Swipe or use the arrows. Prices are proposed yearly estimates for the size you pick above, not quotes.

Estimate your annual priceExample estimate
Credit union size (total assets)
Products
Estimated annual price$0
Request a quote
Credit union sizeTrainingJobsBooksPortfolio (all three)

Discounts for buying together: two products 10%, all three 15%. Prices are per year. Racun is quoted separately and can be added to any agreement: request a quote.

Founding partner offer (proposed). The first credit unions to join get free job postings for 90 days, launch prices locked for three years, and 25% off the first year of training or the portfolio. In return they give feedback and, only with written permission, allow a short case study.
Improve

SAFE, Self Assessment Friend for Employees

A feedback loop for the whole credit union. Employees assess themselves, their department, their manager and the direction of the organization, and leaders see where to act. New: the Growth Check-In, a more positive take on the performance review, built into the same guide.

Concept

Sample answers are examples, not real data.

New in SAFE

Growth Check-In, a performance review people look forward to

Use the toggle at the top of the e-guide to switch between Self assessment and Growth Check-In.

Questions that fit the department

Pick a department and the questions change: 10 core behaviors plus 4 for lending, member service, operations, compliance, collections, IT, marketing, finance, HR or leadership.

Clear 1 to 10 scale

Every score shows what it means in plain words, with a percentage and a label from Needs support to Outstanding. Low and high scores ask for an example, so feedback stays specific and fair.

Two-way feedback

Employees rate themselves and their manager, and the summary shows where views differ, with a conversation agenda and a 30, 60, 90 day plan.

Works with the self assessment

One tap pre-fills the check-in from the self assessment, so the two feed each other.

SMART goals

A goal builder checks that each goal is specific, measurable, achievable, relevant and time-bound.

Your credit union, your questions

HR can turn core questions off, add its own by department, and show scores as 1 to 10, percent or both.

What people can assess

Self assessment for anything that matters

The same simple method works across the credit union.

Myself

How am I doing in my role? Prepare for an annual review with honest self reflection.

My department

How is my team doing, and what is getting in the way?

My manager

Upward feedback on support, clarity and coaching.

Initiatives and direction

How the strategic plan and the credit union's direction are landing with staff.

Sales and service

Teams assess their own sales results, service quality and follow-through.

Training

Staff rate each training module, so what works rises and what does not gets fixed.

A better annual review

A loop, not a one-way form

SAFE, the Self Assessment Facilitator, is a modern, interactive replacement for slow, clunky survey tools. People use it because it feels like an app, with a live thumbs-up feed, badges and levels, and Racun as their friendly guide. Most reviews flow one way, from a manager to an employee. SAFE opens a loop between employees, managers and leaders, so everyone gives and receives feedback and the review starts from honest self assessment.

  • ✓
    EmployeeAssesses themselves before the review and arrives prepared.
  • ✓
    ManagerCompares their view with the employee's and gives feedback in return.
  • ✓
    LeadersSee patterns across departments and initiatives, without singling out individuals.
  • ✓
    TrainingLow scores point to the Cupera training that could help.
Built on trust

Honest feedback needs safety

  • ✓
    Group resultsUpward and department feedback is shown only when enough people respond, so no one can be singled out.
  • ✓
    Clear rules up frontEveryone sees who can read what before they answer.
  • ✓
    Reviewed before launchHR and legal review is planned before any credit union uses it.
Pricing

Simple pricing, per person

You pay for the people who use SAFE, and the price per person drops as your credit union grows. The first credit unions can start with a free 90-day pilot. These are proposed prices for planning, not final quotes.

Estimate your SAFE priceExample estimate
Estimated annual price$0
Status. SAFE is a concept. The e-guide above is an interactive demo with sample answers, and the full product is not built yet. We are looking for a few credit unions to help shape a pilot.
Ask about a pilotSee SAFE pricing
About

Cupera exists to strengthen credit unions through their people.

Better employees make better credit unions, and better credit unions give members a better experience.

Andrés De La Mora, founder of Cupera
Founder

Andrés De La Mora

Andrés is a credit union expert, passionate about the credit union industry and fixing it in simple, real ways: hiring the right people and training them to become the best leaders, so credit unions make the biggest possible impact on their members and communities.

He founded Cupera. The name is a play on coopera, Spanish for "cooperate," and it carries the cooperative spirit of the credit union movement.

He is the author of Business Development for the Modern Credit Union, the first book in the Cupera series. See the books

Need a speaker for your conference, a guest for your leadership development program or a visit to your company holiday party? Speaking engagements

Why a portfolio

Credit unions buy hiring, training, member tools and education from many different vendors. Cupera builds them to work together so a credit union can find talent, develop it and equip it to serve members from one partner.

Where we are

  • ✓
    CreditUnionJobs.usWorking prototype with sample listings.
  • ✓
    Business development bookManuscript written, entering editing.
  • …
    Racun, training, remaining booksIn design or planned.
  • …
    CU CoinConcept stage, pending legal review.
Our standards

What we will and won't do

These apply to everything Cupera publishes.

No stock photos

We never use stock photography or staged images of people.

Label the stage

Prototype, in design, in writing or concept. Never presented as more.

Source the numbers

No claim without a source we can show.

Get legal review

Regulatory and financial content is checked by qualified professionals before release.

Book Andrés

Speaking and consulting for credit unions

Need a speaker for your conference, or a guest for your leadership program or holiday party? Speaking engagements are available.

Plans and fees

Swipe through Andrés' plans

Proposed starting fees. These are estimates, not final quotes.

Speaking

Speaking engagements and conferences

For conferences, leadership programs and company events.

Conference keynote or breakout

His vision for business development at credit unions: how to compete with banks that have far more money by solving small problems well.

Leadership development guest

A guest appearance at your leadership development program on building the people, training and vision that run great credit unions.

Company holiday party

A guest appearance at your company holiday party or team celebration.

See proposed fees
Consulting

Hire Andrés to revamp your business development

For credit unions that want an outside expert to review how they grow and then fix it.

Assessment

A focused review of how your credit union finds, wins and keeps members and business accounts, with a written plan.

Advisory

Ongoing monthly guidance for your executive and business development teams.

Full revamp

A hands-on project to rebuild your business development, marketing and sales approach, including training for your team.

Engagement terms and fees are set per engagement. Nothing here is a guarantee of results.

Contact

Request a briefing

Tell us what your credit union is working on and which offerings you want to hear about.

Interested in

Contact details

Email contact@cupera.us. This page's form is not connected yet, so please email us directly and tell us your name, your credit union and which offerings you want to hear about.