As the number of ­members using online banking continues to grow, credit unions are capitalizing on that trend by investing in solutions that have expanded opportunities to cross-sell products, increase brand awareness and enhance services.

Online banking adoption among members averages about 38% across credit unions, which is projected to increase to 48% this year, according to a Filene Research Institute report. Credit unions are also expected to increase their investment in online capabilities by nearly 6% in 2013.

The $803 million, 54,939-member USAlliance Credit Union is ramping up its investment in Micronotes, an emerging online application that conducts short, predefined question and answer interviews with members while they are on the credit union’s site to determine their interest in a product or service.

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