CrossState's Official Benefits Partner
Fresh thinking and relentless commitment to helping members of the CrossState Credit Union Association deliver for their business and people.
Credit unions continue to face immense business and people pressures.
Rising benefit and healthcare costs with an already tight budget forces Credit Unions to make tough decisions on where they invest, while a competitive labor market and retirement boom jeopardize Credit Unions’ ability to attract and retain top talent.
These pressures demand a fierce partner who fights for the future, helping their organization and people stay ahead and thrive, so they can do their best work and live their best lives. As the endorsed benefit broker to the CrossState Credit Union Association, over 1500 credit unions* rely on OneDigital’s advisory teams to keep them steps ahead of rising costs and risk; give them visibility into knowing their investments are working; and ensure they have the right programs in place to meet their people where they are at in life.
*(calculation as of 7/30/2025)
Benefit Options Offered to CrossState Association Members
The CrossState Credit Union Health Care Consortium is an exclusive healthcare alternative for Pennsylvania and New Jersey credit unions and affiliate members. In partnership with OneDigital, the consortium allows mid-market credit unions to safely self-fund their health benefits while maintaining full transparency and greater financial control.
Key advantages include:
- Full claims transparency
- 100% surplus retention
- Flexible network and plan design options
- Economies of scale and long-term cost efficiencies
This model helps credit unions move away from fully insured plans, better understand claim drivers, and gain greater control over benefit costs, saving in strong years while remaining protected in challenging ones.
OneDigital Resourcing Edge, our PEO solution, is an outsourcing arrangement that can handle the entire life cycle of an employee from hire to retire including acquiring talent, payroll, onboarding administration, benefits, workers' compensation, and can oversee a range of compliance tasks.
OneDigital helps credit unions design and manage benefit programs that support employee wellbeing while maintaining cost control, including:
- Dental Insurance – Preventive-focused dental plan for employees and their families. The CrossState Credit Union Association has partnered with OneDigital and Guardian to provide a comprehensive Dental solution for Credit Unions of all sizes. Guardian has one of the nation’s largest selections of network dentists, although under this plan you can go to any dentist you choose and still receive reimbursement.
- Vision Insurance – Affordable vision coverage that supports long-term eye health. CrossState members can take advantage of Vision Benefits of America’s comprehensive network, both locally and nationally, which provides coverage for eye exams, lenses, contact lenses, frames, and more.
Critical illness, accident, and hospital indemnity plans are available with Guardian through OneDigital's partnership with CrossState.
Employee Navigator is one streamlined service connecting open enrollment, carriers, and billing providers for your employees.
Learn how OneDigital can help your credit union lower employee benefit costs and ease your administrative burden.
