BCU Turns Digital Engagement into $81M+ in Loan Volume with Chimney’s My Home Tracker

January 20, 2026

1. Executive Summary

BCU recently partnered with Chimney to launch My Home Tracker - the member-facing experience within Chimney Home

The goal? To better engage their members and drive loan growth.

In just four months post-launch, the credit union transformed passive website visitors into engaged borrowers - resulting in over 13,600 enrolled users, 321 loans influenced, and $81.72 million in loan volume. 

Chimney’s platform didn’t just elevate the digital experience, it proved impact where it matters.

2. Client Testimonial

3. About the Client

BCU is a purpose-driven credit union focused on empowering its 350,000+ members to achieve financial well-being. Known for innovation and member-centric services, BCU continually invests in digital transformation to improve both service and experience.

4. The Challenge

BCU was looking to strengthen digital engagement, especially around home lending. 

Like many credit unions, BCU faced growing pressure to improve digital engagement, as they were seeing limited conversion from their website traffic. Generic campaigns and static tools couldn’t match the personalized experiences members expected. 

As a result, members weren’t progressing from interest to application, and internal teams were constrained by the need for developer support to make even basic updates. BCU needed a solution that could drive engagement and loan growth without adding technical overhead.

5. The Solution

In August 2025, BCU implemented Chimney’s My Home Tracker, a personalized digital experience that empowers members to manage their home, explore equity, and access tailored loan offers.

Key Features Deployed:

  • Personalized homeownership dashboard

  • Real-time home equity tracking with home borrowing power insights

  • Embedded, branded CTAs driving members to targeted offers

  • Performance analytics measuring clicks, conversions, and loan impact

6. Implementation & Resourcing

BCU went live with Chimney’s My Home Tracker in under three months, requiring minimal lift from internal teams. The implementation was led by Ryan Smith, Product Manager at BCU, with support from Chimney’s onboarding team. 

Deployment was straightforward, requiring no custom development. The platform was fully branded to align with BCU’s digital experience and embedded directly into their existing app - ensuring a seamless rollout without taxing technical resources.

7. Results & Impact

🚀 What BCU Achieved in 4 Months:
  • 13,689 members enrolled with 13,379 active users

  • 1,748 clicks on targeted product offers

  • 321 loans influenced with $81.72M in loan volume generated

🔍 Insights from Engagement:
  • 81% of user clicks were for equity-driven offers

  • Top clicked CTA: Put Your Equity to Work (1,451 clicks)

  • Almost 4,700 new users joined in just the first month

These numbers highlight how My Home Tracker moved members from awareness to action - something traditional tools failed to do.

8. Conclusion

This success story reflects the kind of impact Chimney aims to deliver across the Lumin community as more financial institutions adopt personalized digital tools. My Home Tracker delivered more than engagement - it delivered measurable lending impact. 

Key Takeaways:

  • 🚀 Live in under 3 months with minimal lift

  • 🧠 13K+ users engaging with personalized homeownership content

  • 💸 $81M+ in loans influenced

  • 🔧 No dev time or IT resources required

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