Who We Are
Powering credit union innovation
A collaborative system that turns emerging ideas into future-ready solutions for credit unions.
MDC is now Circuit
What We Do
How Circuit Powers Progress
Circuit is the credit union movement’s collaborative innovation partner that brings together shared insight, emerging technology, and strategic partnerships to create what’s next.
Collaborative R&D
We pool insight, risk, and learning across the network to explore what’s next—and shape the solutions that matter most.
Emerging Tech Access
We open clear paths to emerging tech through curated partners, guided roadmaps, and hands-on support, so credit unions can move fast, confidently.
Strategic Partnerships
We connect credit unions, fintechs, and opportunities to move ideas from potential to real-world deployment at scale and with shared value.
Who We Serve
Built for those who drive progress
CREDIT UNIONS
Mid-to-large credit unions ready to scale what’s possible.
Circuit delivers shared R&D, industry-leading insight, and a powerful peer network, allowing our owners to move faster, smarter, and with confidence.
Strategic Partners
Trusted solution providers committed to real impact.
As part of the Circuit ecosystem, partners help turn collective insight into action by bringing high-value solutions to credit unions without the guesswork.
EMERGING FINTECHS
Innovators shaping the future of financial services.
Through Circuit Accelerator, fintechs gain access to pilots, validation, and integration pathways. This turns strong ideas into scalable solutions for credit unions.
Innovation in Motion
Progress at work
We identify emerging opportunities, test them in real credit unions, and build clear adoption pathways.
Stablecoin and Tokenized Deposits Consortium
Explore the national consortium that brings credit unions and industry partners together to examine real-world use cases for tokenized deposits. Circuit leads shared learning across liquidity, operations, technology, and regulatory readiness, so credit unions can act confidently in an evolving landscape.
AI Studio
This shared space puts AI into action in useful ways through cross-credit-union collaboration. AI Studio gives credit unions access to common AI infrastructure, applied use cases, and collaborative learning, for scalable, real-world adoption.
Circuit By the Numbers
80+
owners in our network
51M+
members
25+
years of shared innovation
$382B+
in assets
Latest News & Events
See what's powering Circuit
Stay current with the innovations shaping tomorrow’s credit unions.
Winter Owner Meeting
February 9-11, 2026
From Strategy to Impact: Turning Vision into Measurable Results
April 21-26, 2026