Author Archive

The Disclosures to Perform at CUNA GAC Related Events

The Disclosures are pleased to announce that they’ll be in Washington, DC for the upcoming Credit Union National Association (CUNA) Governmental Affairs Conference (GAC) and performing at two separate private events related to the conference.

First, the band will be at Clydes of Gallery Place on Saturday, February 23 for the Tom Connors Memorial Luncheon. Chad and Christopher will be performing a few songs and sharing their unique story at the special luncheon for Credit Union Development Education (DE) Training alumni. Click here for registration information.

On Monday, February 25, The Disclosures will be performing a few songs at the Friends of the Foundation Reception prior to the National Credit Union Foundation Dinner presenting the Herb Wegner Memorial Awards at the Grand Hyatt. This is an invitation-only reception for Foundation supporters.

Hope to see you at one of the events! Otherwise we are looking forward to meeting you at the conference!


Live from Estes Park – New Video

Chris and Chad perform the “Theme Song from Estes Park”, which was a song originally performed at Estes Park, CO in 1934 as part of the infamous credit union meeting that sparked the national credit union system.

More information about the songs sung at Estes Park with lyrics can be found here.

Estes Park

A few pictures from our session at Estes Park, Colorado for a pre-conference event at the CUNA Community Credit Union & Growth Conference. Video to come soon!

The Disclosures to Rock Estes Park at CUNA Community CU & Growth Conference

The Disclosures are proud to announce that we will be performing at the famed Estes Park location as part of a pre-conference event for CUNA’s Community Credit Union & Growth Conference!

Estes Park is one of the most famous places in credit union history. It was a historic summit where nearly 100 credit union leaders met in 1934 after President Roosevelt signed the Federal Credit Union Act. The Credit Union National Association (CUNA) was formed at that meeting as well as the seeds for CUNA Mutual Group. In a letter to Edward Filene before the famous meeting, Roy Bergengren “I sincerely believe that what we are going to do at Estes Park will have extraordinary consequences.”

Aside from taking a tour of the nearby Stanley Hotel made famous from Stephen King’s The Shining, the pre-conference event will include an interesting tour of Estes Park focusing on the famous 1934 meeting. The tour will include a stop at the Estes Park Museum where we will learn about credit union history and see items from the founding of CUNA. We will take a group photo, restaging the historic Estes Park group picture (shown above).

After the tour, The Disclosures we’ll be performing a special “Estes Park Edition” of our Credit Unions Rock! Getting in Tune with our Roots and Philosophy education session.

Here are the session details: Revisit your credit union roots as The Disclosures provide a musically-driven overview of the origin of credit unions, their expansion across America and the cooperative principles they were founded on. In this one-of-a-kind musical session, you’ll learn about how it all began right in Estes Park, the site of the organization of CUNA. For the first time ever, hear The Disclosures perform a few of the songs from that historic moment in credit union history. This session is like a credit union version of “VH1 Storytellers.” As Christopher and Chad discuss, these topics are more relevant than ever to credit union staff, boards and members alike.

Hope to see you there!

> Click Here for More Information on the Event & Registration

The Disclosures to Perform at Louisiana Credit Union League Annual Meeting & Convention

Work in credit unions? Live in Louisiana?

You need to come to the Louisiana Credit Union League’s 2012 Annual Meeting & Convention on August 1-4, 2012.

With excellent education sessions, networking, golf tournament, social event on Friday night (“Friday Night Lights”), recognition awards and more…it’s bound to be an informative and memorable event

The Disclosures will be there too! You’ll see us on the general session stage introducing sessions and playing songs. Then, you’ll see us hosting the exhibitor luncheon. Plus, we’ll be performing both(!) of our education sessions on Friday.

If you are a young professional or interested in credit union history and philosophy, definitely check out our music-driven “Credit Unions in the Key of Awesome” session. Actually, it’s applicable to anyone in the industry, as it’s like a credit union version of “VH1 Storytellers”.

For those in marketing/communications or CEO/management, you might like our “Add More Cowbell to Your Credit Union Messaging” session. Among other things, we’ll be demonstrating the creative process of morphing credit union communications into creative, interactive messages that work well over social media and other channels.

Hope to see you in the Big Easy!

> Click Here for More Information on the Event & Registration

Annual Credit Union Conventions in Illinois? Wisconsin? Rocked ’em.

We’ve been busy lately.

In the last few weeks, we played to some great audiences. First, we kicked off the picnic at the Credit Union Development Education (DE) Training in Madison to an audience of credit union professionals from across the United States, Africa and Scotland. Since the band was formed after meeting at DE Training, that event was pretty special for us to return three years later to play a few songs and talk about our journey and experiences as a credit union band.

The next week, we drove to Schaumburg for the Illinois Credit Union League Annual Convention to perform our education session “Credit Unions in the Key of Awesome.” Carla Day was in the audience and did a nice write-up  afterwards at CU Chat Up. She also recorded a video of us performing “Credit Union History (Fact)” from our session. Enjoy:

Last week was probably the biggest week for us as we returned to the Wisconsin Credit Union League’s Annual Convention & Exposition as event emcees. We had fun and kicked off all the general sessions for the conference. We even played some live versions of “Building a Better World,” our song for Bank Transfer Day, and many others. We also did a special credit union history and philosophy session for the “Crashers” or young professionals at the conference. Oh, and we met baseball legend Rollie Fingers!

Click here for part of our live “Building a Better World” performance last week.

We had a great time sharing our music, passion and stories about what makes credit unions unique and powerful the last few weeks. Hope to see you at an event sometime soon!

Does your credit union organization have an event or staff meeting coming up? Check out our booking page to learn more about how we can rock out with you and your attendees/employees.

The Disclosures to Head to CU Association of New York’s Annual Meeting & Convention

The Disclosures are excited to present/perform at the Credit Union Association of New York’s 2012 Annual Meeting & Convention:

Join us on June 7-10 at The Sagamore Resort on Lake George. For more info on the event, visit

Hope to see you there! Inspiration awaits…

Trailer for the Wisconsin Credit Union League Annual Convention

The Disclosures will be returning as event emcees for the Wisconsin Credit Union League Annual Convention on May 9-12, in Milwaukee, Wisconsin!

For more information on the event and to register, visit

Hope to see you out in the crowd!

Illinois Credit Union League Annual Convention Trailer

Chad & Christopher gear up for their Illinois Credit Union League Annual Convention appearance:

Join us April 26-28, 2012 in Schaumburg! For more info on the Illinois Credit Union League Annual Convention, visit

Hope to see you there!

The Disclosures to Perform Session at CUNA Marketing & Biz Dev Council Conference

Do you work in marketing or business development at a credit union?

Then you need to attend the premiere national event for your area – the CUNA Marketing & Business Development Council Conference in New Orleans, Louisiana on March 7-10, 2012.

It’s a great event filled with inspiring, informative, and thought-provoking focused sessions. Plus where else can you network with hundreds of your fellow marketing and business development professionals?

Oh, and the Disclosures will be there too! We’ll be performing our new education session “Add More Cowbell to Your Credit Union Messaging” on Thursday at the conference. It’s a repeating breakout session so you have two chances to come see us in the morning.

Hope to see you in The Big Easy!

> Click here for more information on the event

New Ed Session to Enhance Social Media Interaction & Creativity

Hey credit union event planners & training directors! This post is for you.

It’s been a while since we’ve checked in with you on the “Top Five Reasons to Hire The Disclosures for your Next CU Event” and since then we’ve been pretty busy. Recently, The Disclosures have:

Why are we telling you this? Because based around our experiences, we’ve created a new session that teaches credit unions how to tap into their creative veins and make fun, unique and engaging content through social media channels!

The session, called “Add More Cowbell to Your Credit Union Messaging”, walks participants through the creative process of morphing CU communications into fun, interactive messages that work well over social media channels and can strengthen relationships between members and employees. Specifically, we’ll discusses topics such as:

  • Introduction and application of creativity into your credit union’s identity.
  • How to “humanize” your messaging while remaining accurate and informative.
  • The attraction of credit union philosophy and values and why they should be a part of credit union communications & employee training.
  • Creating cost-effective, original social media content and how to properly share it.
  • Utilizing young staff in member outreach and how it can benefit your credit union.

And in case you’re wondering, we’ll still have our guitars handy to liven up the audience with some credit union inspired music!

So as you plan your credit union-related meetings next year and are looking for unique content, please keep The Disclosures in mind. Whether it’s our brand new ed session, our popular CU history and philosophy ed session entitled Credit Unions in the Key of Awesome, an emcee performance or even if you just need some acoustic music to liven up your evening reception, we’ll be ready to rock.

You can find more information about us, our booking information, and much more around our website. Otherwise, feel free to contact us directly with any questions.

Thanks and we look forward to hearing from you!

Christopher Morris & Chad Helminak
The Disclosures

The Disclosures Featured on CUBroadcast

The Disclosures were lucky enough to chat with CUBroadcast recently to play a few songs, talk about our music and much more. Enjoy the interview!

Give the Gift of Thrift Rock This Holiday Season!

Looking for the perfect gift this holiday season?

We’ve got you covered. Our debut album, “(Hey, We’re) The Disclosures,” makes a great stocking stuffer, or alternatively:

  • Gift for colleague or boss.
  • Gift for your staff (or members? vendors?).
  • Gift exchange or office party gift.
  • Gift for your friends who work at a bank.
  • Decorative coaster for your warm mug of hot cocoa.

We think they’ll like it. But don’t take our word for it…. As Madison’s Isthmus said, “Each track sheds a different light on the history and philosophy of financial cooperatives… backed by the duo’s brisk and lively acoustic guitar interplay.” Or as the Credit Union Times put it simply – “The Disclosures rock the credit union difference.”

Where can you buy the album? The album can be purchased digitally online of course through, iTunes, etc but for gift purchases, you’ll probably want to get the actual, physical copy through CDbaby here. And as a bonus, if you buy more than one, you get 10% off!

Happy holidays and THANK YOU!!!

PS –  If you live in Madison, let us know and you can buy the CD from us directly. Also, if you want to buy a large quantity of CDs for your organization, let us know and we can most likely provide an even bigger discount on discs.

New Music Video on How to Switch from a Big Bank to a Credit Union

In advance of Bank Transfer Day on November 5th, the credit union music duo The Disclosures have released a short music video highlighting how consumers can switch from a big bank to a local credit union. Credit unions are encouraged to use the video on their website and social media channels as part of their member outreach efforts.

The viral Bank Transfer Day continues to grow amidst widespread dissatisfaction with high bank fees. Bank customers who have become disillusioned by practices like these are now looking to local cooperative credit unions, who typically charge fewer and lower fees and provide other services that represent their structurally-driven commitment to people, not profit.

“The idea of moving your money to a credit union is a hot topic now because of Bank Transfer Day, but we hope credit unions will find value in sharing our video long after November 5th,” said Disclosures band member Chad Helminak.

The song gives a quick overview of the steps needed to move funds from a bank to a credit union and is a slight departure from The Disclosures’ recent video efforts around their original songs. Instead, they re-worked Gloria Gaynor’s “I Will Survive” in a fashion similar to their call-to-action video, “Don’t Change Interchange”, which parodies George Michael’s “Faith”.

“Sometimes it helps to get an important message across if you take something people know and turn it on its head,” said Disclosure Christopher Morris. “And like everything we do, we don’t take ourselves too seriously to help make it entertaining.”

Thrift-Rock Resources for Bank Transfer Day

With thousands of consumers pledging to move their money from big banks to local credit unions on or before Bank Transfer Day (November 5th), we wanted to highlight a couple of our music videos that credit unions can use to promote the credit union difference.

Bank Transfer Day has been highlighted in numerous national media outlets and continues to grow amidst widespread dissatisfaction with high bank fees. Bank customers who have become disillusioned by practices like these are now looking to local cooperative credit unions, who typically charge fewer and lower fees and provide other services that represent their structurally-driven commitment to people, not profit.

We have a few YouTube videos that share themes with Bank Transfer Day:

We encourage you to use the videos on your websites and/or corresponding social media channels to highlight the philosophy of credit unions in the run-up to Bank Transfer Day (and anytime really). In addition, we invite credit unions to use any of the songs on our album, “(Hey We’re) The Disclosures, ” as part of their on-hold message, lobbies, etc to help communicate the credit union difference in a fun, musical way.

Hope you find these resources useful and Happy Bank Transfer Day!

New Song & Video Celebrates International Credit Union Day and the Cooperative Nature of Credit Unions

Music video includes clips from more than 40 credit unions and supporting organizations

The credit union music duo, The Disclosures, have released a free song and music video for International Credit Union Day (October 20, 2011) called “Building a Better World”, which pays homage to this year’s celebration theme. The band encourages credit unions to use the song and video to raise awareness of the positive impact credit unions continue to make around the world.

Download the song (mp3):

> Download (Save Target As…)


> Building a Better World – Lyrics (PDF)

“Our music has always focused on finding new ways to package the credit union message,” said Disclosures band member Chad Helminak. “With ‘Building a Better World’, we decided to take it one step further and invite credit union folks to have some fun and help demonstrate our cooperative nature.”

The Disclosures put out a casting call to credit unions to provide video clips, which would eventually become the entirety of the music video. In addition to the submissions, the band also filmed credit union people singing a few of the segments. More than 40 credit unions and supporting organizations make cameos in the video, which include credit union staff lip-synching lyrics, performing air-guitar with hockey sticks and even dancing with mascots.

“We’re truly amazed at the response and support we received for this project so far and we’re truly thankful for credit unions’ participation,” said Disclosure member Christopher Morris. “Credit unions’ personability usually shines through their member and community service, but now you can see it also holds true for music videos.”

Credit unions are encouraged to distribute and share the video on their websites and in other online communications.

As part of the video collection process, the Disclosures also randomly selected a video submission to receive a signed copy of their CD “(Hey, We’re) The Dislcosures”. The winner was Doug MacMillian from State Employees Credit Union in N.C.

Please help us spread the word!

1. Like us on Facebook:

2. Share our site and song with others:

Bookmark and Share

You, Too, Can Be a (International Credit Union) Rock Star!

UPDATE: The deadline for submissions have passed. Thanks to all those who sent us video footage!

International Credit Union Day is right around the corner (October 20, 2011) with a theme this year of “Credit Unions Build a Better World” and The Disclosures have a unique way for you to get involved!

To help celebrate, the Credit Union National Association (CUNA) has asked us to put together a special song for this year’s event. The song is called “Building a Better World” and we’ve recorded a bare bones version of the song. We still need to put the finishing touches on it, but we need your help.

Here’s where you come in: We want you to star in the video! Since credit unions are building a better world – why not feature credit union people worldwide singing about it, right?

We’d love to have you record a video of yourself (or part of your staff) singing along to the song (especially during the “na-na-na” part during the chorus). Once we receive your video, we’ll edit it together with other submissions to create the music video, which will then get posted to YouTube for credit unions around the word to share with their members. The quality doesn’t have to be perfect – use your phone, your laptop camera, whatever you can find. We’ll make it work.

Also, not only will you star in the video, but one lucky video submitter will be randomly chosen to receive an autographed copy of our debut album “(Hey) We’re The Disclosures”!

Interested? Contact for the latest version of the song and lyrics. Video snippets will need to be submitted by Wednesday, September 21 and we can provide directions on sending video files.

Thanks and we look forward to rocking with you!

The Disclosures to Play Capital Brewery on September 14, 2011

From the event description:

Join us at the Capital Brewery Bier Garten in Middleton on Wednesday, September 14 at 5-7 p.m. for a fun evening with good people as we celebrate and honor our credit union and co-op communities! All local credit union supporters, co-op enthusiasts and believers of the ‘people helping people’ philosophy are welcome.

Enjoy live music by The Disclosures starting at 5:30 pm. Food and drinks (beer, wine, water and soda) will be available for purchase.

Donations and proceeds from food sales will benefit the upcoming Co-op Connection event on Oct. 1 at the Monona Terrace. Co-op Connection will spotlight co-op businesses in every sector and create positive publicity, awareness and visibility for the co-op movement. Stay in the loop by liking the Co-op Connection Facebook page and be sure to save the date!

Please feel free to bring family and friends and tell your colleagues. See you at the Capital Brewery on Sept. 14!

> Capital Brewery September 14th Event Facebook Page

Outtakes from the “98 Problems (But a Bank Ain’t One)” Music Video


We had so much fun making the “98 Problems (But a Bank Ain’t One)” music video (watch it here) and so did our younger selves.

Enjoy this short behind-the-scenes clip!


The Disclosures to Play Special Co-op Connection Event in Madison – October 1, 2011

We are very excited to be invited to play at this special event hosted by Summit Credit Union here in Madison! The Disclosures will play a set of our original songs mixed in with our favorite covers.

So what’s it all about?

The Co-op Connection is an event to celebrate cooperatives and all that they contribute to their communities. Area cooperatives and cooperative enthusiasts will host interactive booths to educate their members, employees, and the public on what they do and why it’s important to our community and the local economy. There will be live music from local bands, kids’ activities, and free food samples.

You should come!  Details:

Saturday, October 1, 2011 | 9 am – 2 pm at Monona Terrace Convention Center

> Click here for more information about the event

We’ll be playing from 11:45-12:30 and 12:45-1:30. Hope to see you there!

The Disclosures Release Music Video that Highlights the Difference Between Credit Unions & Banks


“98 Problems (But a Bank Ain’t One)” music video made available for credit unions to use in online communications

The credit union industry’s very own “thrift rock” duo, The Disclosures, just released their first official music video on YouTube – a flashback style video for their song “98 Problems (But a Bank Ain’t One)” from their debut album, (Hey, We’re) The Disclosures.

The 98 Problems video stars “younger versions” of band members Christopher Morris and Chad Helminak as they discuss the differences between banks and credit unions.

“It’s our hope that credit unions find this content useful on their member websites and social networks to help better educate their members on credit union philosophy,” said Disclosure band member Morris. “We had a fun time recording the song and even more fun recording the video.”

> View the lyrics for “98 Problems”

“This song felt deserving of a video, as it’s become one of the most popular songs to perform during our breakout sessions,” noted Helminak. “Fortunately, our shameless application of phrases from rap songs has not yet earned us any ‘cease and desist’ letters from the music industry.”

The song and album are currently available for download on major digital music stores such as iTunes, and others. Physical copies of the CD are available online through the The Disclosures’ website, as well as speaker and live performance information.

Click here for more information about The Disclosures.

The Disclosures to Play CU Water Cooler Symposium in September

Just announced!

You need to be in Fishers, Indiana on September 29-30 for this year’s CU Water Cooler Symposium.

Not only will Chad be doing a session on best practices for gathering and sharing credit union member stories, but The Disclosures will be playing Thursday night as part of the entertainment festivities. We’ll be playing our original credit union-related songs mixed in with some popular songs you know and love.

It’s a great conference – fresh speakers, awesome speakers and great conversations. Hope to see you there!

> More information & Registration

Top Five Reasons to Hire The Disclosures for your Next CU Event

You’re probably wondering whether to take us seriously or not. Thrift rock? Filene’s time machine?? That’s okay. Heck, we might even do the same if we were in your shoes. But here are five rock solid reasons you should have no fears and consider hiring us to amp up your next conference or meeting.

1. Credit unions + music = nothing you’ve ever seen
We’re not just another music duo. We are young and passionate credit union advocates who just happen to like music. We could, in theory, deliver a wonderful and straight-forward presentation on credit union history and philosophy. But let’s be serious: you and your staff have seen plenty of bullet points and slideshows. It’s time for a new approach, and that’s what we deliver. Our original songs will simultaneously have your audience learning about credit unions and waving their hands in the air like they just don’t care. It’s like Schoolhouse Rock, but for credit union history and philosophy.

2. Customized presentations – for you!
Although our songs remain the same, we take time to learn your credit union organization’s unique history and philosophy and incorporate that into our presentation. We aim to instill a sense of pride for working and belonging to credit unions and respect for what our movement stands for. Odds are your credit union was born about 70 years ago out of a back room or basement with a mission to put people before profit. Although many things have changed since then, that original philosophy lives on and that’s what our songs help your audience to realize.

3. We bring the thunder every. single. time.
The Disclosures have completely rocked performances at staff trainings, chapter events, league and vendor annual meetings and a CUNA conference with rave reviews. Ask us for references, we dare you. Despite our youthful appearances and light-hearted lyrics, we put in a lot of practice to ensure we meet the high standards you and your credit union deserve.

4. Fun for all ages.
Singing and performing for credit unions is a blast and we let that show during our performances. From directors to tellers, we work hard to make sure everyone is enjoying themselves. Maybe we’ll venture out into the audience or take requests (please, no “Freebird”). Whatever it takes, we’ll do everything in our power to leave your group energized and in good spirits.

5. Because the other credit unions bands are all booked up.
And by “all booked up”, we mean “don’t exist yet”. You want to energize your audience with a unique thrift rock experience they won’t forget? Let us at ‘em.

You can find more information about us, our booking information, and much more here on our website.

Looking forward to hearing from you!

Christopher Morris & Chad Helminak
The Disclosures

“Don’t Let Me Down” LIVE Beatles Cover Posted by The Disclosures

Just posted!

Enjoy the following video from a show at Zuzu Cafe in Madison last September: