July 29, 2025
Toro Credit Union’s GrooveCar Direct Success
Toro Credit Union
Toro Credit Union in Bloomington, MN serves employees of The Toro Company and their families nationwide. With $40 million in assets and 3,263 members, Toro Credit Union exists to help members save and borrow wisely to improve financial wellbeing. Toro has been a partner with GrooveCar Direct since 2022.
Headquarters: Bloomington, MN | Assets: $40 Million | Members: 3,263 | GrooveCar Direct Partner Since: 2022
Why GrooveCar Direct
97% of car shopping starts online. If members research vehicles on dealer or third‑party sites, the credit union risks losing the loan. GrooveCar Direct keeps members under your brand by delivering:
- Credit union‑branded car shopping site with 4M+ vehicles from 15K+ dealers.
- Integrated financing & refinancing links so members apply directly with you.
- Real‑time lead alerts when members browse so you can engage them before they visit a dealership.
- Cross‑sell placements for GAP, extended warranty, and other credit union products.
- Optional AutoPilot email marketing add‑on* to drive qualified traffic automatically.
Result: You stay top‑of‑mind and first in line for the loan.
*AutoPilot is a paid add-on and is not included with the GrooveCar Direct car shopping site. With AutoPilot, our expert team not only creates custom-branded emails to drive traffic to your GrooveCar Direct car shopping site, but we also manage the entire execution process for you.
In the Driver’s Seat: Toro CU’s Loan Growth Success in Early 2025
VP of Lending Mark Bailey shared that GrooveCar Direct’s leads have been highly valuable. In the first half of 2025, activity from 20 car shopping site account leads has produced impressive results.
in Auto Loans Funded
in Other Loans Funded
Total Funded to Date
Additional Pre‑Approvals
GrooveCar Direct engagement has led to six (6) funded auto loans totaling $187,000. It has also sparked additional conversations resulting in three (3) personal loans totaling $9,000 and one (1) home equity loan for $55,000, which the member used to finance a vehicle. Currently, three (3) more pre-approvals are pending, showing continued momentum in the pipeline. In total, $251,000 has been funded from just 20 GrooveCar Direct accounts, reflecting a strong and growing return on investment.
Stronger Engagement. Smarter Lending.
GrooveCar Direct didn’t just drive auto loan volume — it became a springboard for deeper member engagement.
By offering a branded car shopping site, Toro Credit Union created a high-value touchpoint that strengthened relationships and sparked conversations across multiple lending categories.
“We observed a significant increase in member engagement and found ourselves in more valuable conversations,” Bailey said. “These interactions fostered a deeper connection and enhanced overall satisfaction. I highly recommend the GrooveCar Direct program to any credit union seeking to boost member engagement and nurture lasting relationships.”
Your Green Light to Funding More Auto Loans
Whether you want to defend existing auto portfolio share, grow new loans, or uncover cross‑sell opportunities, GrooveCar Direct keeps your credit union in the driver’s seat. Fast setup, full support, scalable pricing — and results that extend well beyond auto.
Ready to see how GrooveCar Direct can fuel loan growth for your credit union?