Employees of the $1.1 billion Goldenwest Federal Credit Union inOgden, Utah find their smartphone wellness challenges to be a bit quirky and snarky … but theylove it.

At the $532 million Maps Credit Union in Salem, Ore., employeesgo to bed with their Jawbone devices to find out how well theysleep.

Professional neck massages at their desks help employees at the$1.1 billion Allegacy Federal Credit Union in Winston Salem, N.C.,decompress from their work-related stresses.

And at the $8.7 billion Security Service Federal Credit Union inSan Antonio, employees can call a health coach to answer theirpersonalized questions, a money coach to guide them throughchallenging financial issues, and an employee wellness advisor whenpersonal troubles storm into their lives.

These are just a few examples of how credit unions aretransforming their workplace wellness programs through mobile andwearable technologies, social media, personalized coaching,customized financial advice, and emotional or mental healthguidance for employees and their immediate family members.

What's more, credit unions report that positive ROI results typically develop over two to three years.Savings are primarily realized in lower employee health claims thatcan control health insurance costs.

Because of its success, Allegacy CU, through its CUSO AllegacyBusiness Solutions, developed a new service that offers creditunions and other businesses a blueprint on how to start, developand operate their own customized employee wellness programs.

Get more details and insights on how these credit unions arechanging and improving their wellness programs in the Oct. 28, 2015print issue of CU Times.