For 2013, the new social media mantra has to be strategy first. 

"Too many organizations, including credit unions, get into something like social media because they think they 'should' or say it is 'free' so it is worth doing," said Melina Young, director of marketing at Seattle-based Verity Credit Union. "Social media isn't really a free medium because it takes time and effort to maintain. If you aren't able to do it right, you probably shouldn't be doing it at all. You need to have a plan for social media, what your expectations are and what you want it to achieve for your credit union."

Matt Hodson, director of marketing at Salt Lake City-based Health Care Credit Union agreed.

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