Every dollar counts when it comes to credit union marketing budgets. Digital advertising can be very effective, but only if you're reaching the right audience with the right offers. Many credit union marketers haven't quite cracked the code on how to use social media effectively, and we see dozens of searches each month on things like "how to use social media for credit unions" and "how much should credit unions spend on social media." Social media has become pay-to-play for businesses, but with the right targeting it is definitely worth playing.