Eligible credit unions under $100 million in assets may earn complimentary advisory hours when they refer an organization that becomes a paid Sajovic Digital Advisory client.

For each qualified referral that becomes a paid client, the referring credit union receives 4 complimentary advisory hours.

Referral credits may be used for:

• Process improvement discussions

• Technology roadmap conversations

• Project readiness planning

• Automation opportunity review

• Internal planning support

Referral credits are capped at 12 hours per calendar year and expire 12 months from the date earned. Credits are issued to the institution, have no cash value, and are not transferable to individuals.

Each quarter, Sajovic Digital Advisory offers three complimentary 90-minute advisory sessions for eligible credit unions under $100 million in assets.

Quarterly Office Hours are available by nomination only. Nominations can come from people who know the credit union and see an opportunity for practical support — including clients, peers, industry partners, vendor contacts, league connections, or others in the credit union community.

These sessions are designed to help smaller institutions clarify a specific operational or technology challenge in a focused, practical way. The goal is to provide useful direction, identify realistic next steps, and help the credit union think through opportunities without the cost or scope of a full consulting engagement.

Session topics may include:

• Process Automation Scan — Identify manual work, duplicate entry, spreadsheet tracking, inefficient handoffs, or repetitive tasks that may be candidates for automation.

• Technology Roadmap Discussion — Talk through competing technology priorities and clarify practical next steps for the next 6–12 months.

• Operational Workflow Review — Review a process that feels slow, messy, overly manual, or too dependent on one person.

• Project Readiness Check — Discuss whether an upcoming technology or operational initiative is ready to move forward and what should happen first.

Complimentary office hours are advisory in nature. They do not include project management, vendor management, RFP development, implementation support, contract review, compliance opinions, system access, or formal project deliverables.

For credit unions that need ongoing but lightweight support, the Small CU Advisory Access Retainer provides monthly access to practical technology and operations guidance at a predictable cost.

This option is designed for smaller institutions that may not need a full consulting engagement but would benefit from a trusted advisor to help think through process improvement, automation opportunities, technology priorities, vendor conversations, and project readiness.

Small CU Advisory Access Retainer
For credit unions under $100 million in assets
$525/month — includes up to 3 hours of advisory support per month
Additional approved time billed at $200/hour

Retainer support may be used for:

• Monthly advisory calls

• Process improvement guidance

• Automation opportunity discussions

• Technology roadmap planning

• Project readiness conversations

• Internal stakeholder talking points

• Light review of project plans, timelines, or decision considerations

Retainer support does not include full project management, vendor meeting facilitation, RFP drafting or scoring, implementation support, system configuration, contract review, compliance or legal opinions, or formal written deliverables unless separately scoped.

A three-month minimum commitment applies. Unused monthly time does not roll over.