Curql Collective Expands Fintech Ecosystem with Addition of New Partner, Nickels


Des Moines (April 27, 2023) – As a Credit Union Service Organization spurring innovation in the credit union industry, Curql Collective is passionate about the credit union philosophy of “people helping people.” That’s why Curql Collective is so pleased to add a fintech Ecosystem Partner committed to helping credit unions improve the financial health of their members.

Our new partner, Nickels, provides white-label products that harness the power of behavioral science to help credit union members better manage their finances and credit card debt through automated personalized guidance and enhanced member engagement. With centralized card management, credit unions allow members to save money and improve credit while driving new loans and refinance opportunities. For credit unions, the result is stronger member relationships, data-driven insights, more business opportunities, and overall brand enhancement.

“As a CUSO that already has direct investment from credit unions, subscribing to the Curql Collective and joining its ecosystem of innovative credit unions is the obvious next step for us to better serve the credit union community,” said Nickels Founder and CEO Joseph Gracia. “We’re thrilled for the opportunity to work with Curql credit unions to help refinance their members’ third-party credit card debt,” he adds.

Curql Collective President and CEO Nick Evens shares the sentiment, adding, “Nickels is an outstanding partner for us and our Curql credit unions. With this solution, Nickels is helping credit unions gain new business opportunities while they help their members improve credit to thrive and build better lives. It’s a win-win.”

About Curql Collective

Curql Collective is a collaborative approach that brings investment capital, credit unions, and fintech together. Launched in 2020, Curql is steered by a collective of forward-thinking credit unions, including former founders, operators, and leaders in the fintech and investment spaces. The group’s flagship – Curql Fund I – invests in the visions of entrepreneurs who thoughtfully and purposefully develop financial services technology that revolutionizes and innovates how people engage with their money. For more information, please visit

About Nickels

Nickels is a CUSO that helps credit unions take control over their members’ third-party credit card debt. Founded in Ann Arbor, MI, their mission is to improve members’ credit card health. They do this, in part, by identifying credit card revolvers and helping credit unions refinance that third-party credit card debt into their own lower interest products. For more information please visit

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