13 core platforms, real time on 11SOC 2 Type 2NPS of 90AI Growth Agents in production since June 202510+ years with credit unions and banks
One growth layer · four stages
AttractAI Acquisition Agent
OpenDigital origination
OnboardDigital onboarding
GrowAI Growth Agents
Your core, LOS and digital banking stayAdd growth
TRUSTED FROM $100M IN ASSETS TO FORTUNE 500 DEPLOYMENTS
90 days
Digital became the top source for new accounts.
Capitol Credit Union of Texas
527%
Growth in new members per month.
Credit Union 1 · Illinois · $2.6B assets · 168K members
97.6%
Of manual origination steps automated, with 89.5% of applications approved instantly.
Nutmeg State FCU · $885M assets · 67K members
32%
More new accounts in 90 days, with 82% less manual review effort.
CPM Federal Credit Union
Banks running Cotribute include Sovereign Bank and International Finance Bank; credit unions include Capitol CU of Texas, Credit Union 1, Nutmeg State FCU, and Red River Credit Union.
Your growth problem isn't demand. It's what happens after someone chooses you.
Applicants quit the application, new accounts never fund, and single-product relationships drift to the bank or fintech that made it easy. You paid to win every one of them.
Attract
The right people choose someone else
44%
of new checking accounts opened in 2024 went to neobanks. Credit unions won 5%.
New checking accounts, 2024
Open
They quit the application
77%
of digital account applications are abandoned before the account is funded.
Digital account opening
Onboard
They join, then bank elsewhere
4 in 10
credit union members bank primarily somewhere else.
Primary financial institution
Grow
The relationship never deepens
4%
of credit union and community bank primary customers are highly engaged. Megabanks: 13%.
Engagement, CU & community banks
And fraud gets through the same gaps. About half of credit unions and 40% of banks saw fraud losses rise in 2025, and first-party fraud is now more than 40% of losses.
Attract: Cornerstone Advisors & Alkami, 2025 Digital Banking Performance Metrics (2024 new checking openings). Open: Cornerstone Advisors & Alkami, 2026 Digital Banking Performance Metrics; digital account opening only. Onboard: PYMNTS Intelligence & Velera, Credit Union Innovation Readiness, July 2026 (61% use their credit union as primary). Grow: Cornerstone Advisors, Engage to Grow, July 2026. Fraud: Cornerstone Advisors, What's Going On in Banking 2026.
Today
Members and customers start over every time they need something new.
A new account, online banking, a loan. Each one asks them to re-enter what you already have, so applications get abandoned and loans leak before funding.
Every restart is a place to lose them.
Swipe to see the whole diagram
We understand. For more than a decade, Cotribute has helped credit unions and community banks turn applicants into members and customers, and accounts into engaged relationships.
With Cotribute
Keep members and customers moving forward, not starting over.
Cotribute connects account opening, loan applications and onboarding with the systems you already run. Connected handoffs carry available information and application status between supported systems, helping members and customers take the next step instead of beginning again. Your core, LOS and digital banking stay in place.
Close the handoff. Keep the relationship moving.
Swipe to see the whole diagram
Attract
A member or customer arrives with a need.
Open
Begin an account or loan application; connected handoffs carry available information and status.
Onboard
Help them take the next step, including account funding and digital banking enrollment where supported.
Grow
Help the relationship continue with the next relevant product.
An account opened is the beginning. Onboarding helps members and customers put it to use; connected follow-up helps the relationship grow when their next need arrives.
All ten differentiators, with the proof behind each, on cotribute.com/why-cotribute.
The platform
Start with your most urgent need. Add modules as you grow.
Digital account opening, loan origination, onboarding, AI Growth Agents and MCP Connect run as modules on one platform. Start with your most urgent need and add modules as you grow; every module shares the same core integration, the same fraud and decisioning, and the same portals.
Where does it hurt most?
Swipe to see the whole diagram
Start with Consumer Account Opening.Most institutions start here. Live on your core in about 30 days. Add modules as you grow.
Modules as published on cotribute.com/platform. Start with any module; pick a problem above to see where you'd begin.
Client outcomes
What credit unions and banks have achieved on Cotribute.
Twelve published results from five institutions, across every stage of the growth lifecycle.
527%
growth in new members per month, vs. the previous 6 months
Credit Union 1Attract
4.6%
organic membership growth, 2X+ the industry average (Q1–Q2 2024)
Credit Union 1Attract
+32%
new accounts opened, over a 90-day period
CPM FCUOpen
−82%
manual review effort, via auto-decisioning
CPM FCUOpen
89.5%
of applications approved instantly
Nutmeg State Financial CUOpen
97.6%
of manual processing steps automated
Nutmeg State Financial CUOpen
#1
digital became the top source of new accounts within 90 days of launch
Capitol CU of TexasOpen
+59%
increase in new memberships
Capitol CU of TexasOpen
$10K
in new deposits per new member, on average
Capitol CU of TexasOnboard
70%
reduction in employee processing time
Capitol CU of TexasOpen
+28%
monthly loan applications, 12 months after go-live
Red River CUGrow
83%
completion rate on the highest-volume loan product
Red River CUGrow
AttractOpenOnboardGrow
“Our initial results have been phenomenal — on average, $10,000 in new deposits per account opened and 70% reduction in processing time.”
Pierre CardenasCEO, Capitol Credit Union of Texas
“We are honored to win the 2025 Tekkie award for Member Growth. It is a testament to our partnership with Cotribute and the platform we have built together.”
Todd GundersonCEO, Credit Union 1
“Our members expect the same kind of digital experience they get from any modern fintech, and Cotribute helps us deliver that without losing the relationship-driven service Red River is known for.”
Mark TurnerChief Lending Officer, Red River Credit Union
Who runs Cotribute
Banks include Sovereign Bank and First Fidelity Bank. Credit unions include Credit Union 1, Capitol Credit Union of Texas, Nutmeg State Financial, CPM Federal and Red River.
Client results and testimonials as published on cotribute.com/customers. Figures are origination results shown by the stage they inform.
Who we serve
Built for your charter, your core, and your examiners
Credit unions
Grow membership without growing headcount. Field-of-membership eligibility and SEG onboarding built in, member language throughout, real-time on Symitar, KeyStone and Fiserv cores.
Win the customers megabanks take for granted. Business account opening with automated KYB, FinCEN CDD and Secretary of State checks in-flow, on Fiserv Premier, Fiserv DNA and Jack Henry SilverLake.
"Works with your core" usually means a nightly file. Cotribute writes to the core in real time — the account opens, funds and appears in your system of record inside the same session, on the integration your vendor certified.
CorelationPreferred Partner
KeyStone
Jack HenryVIP Partner
Symitar (Episys) · SilverLake · CIF 20/20 · Core Director
FiservAppMarket Partner
DNA · XP2 · Portico · Premier · ClearTouch · Precision
Core integrations: core, vendor, method and data flow
Core
Vendor
Method
Data flow
KeyStone
Corelation
KeyBridge API
Real-time
Symitar (Episys)
Jack Henry
SymXchange
Real-time
SilverLake
Jack Henry
jXchange
Real-time
DNA
Fiserv
CMC / OpenSolutions
Real-time
Premier
Fiserv
AppMarket Studio
Real-time
CIF 20/20
Jack Henry
jXchange
Real-time
Core Director
Jack Henry
jXchange
Real-time
XP2
Fiserv
APEX REST
Real-time
Portico
Fiserv
EHPRMR
Real-time
ClearTouch
Fiserv
AppMarket Studio
Real-time
Precision
Fiserv
AppMarket Studio
Real-time
CUSA
—
Flat file export
Near-real-time
Loan Director
—
Flat file export
Near-real-time
36+ direct API integrations across cores, identity and payments
Certified where it matters and already in production. Your team is not the integration project — the connections your examiners and your vendor-management process will ask about already exist.
Jack Henry VIP PartnerCorelation Preferred PartnerBanno CertifiedFiserv AppMarket PartnerFIS GKYC CertifiedSOC 2 Type 2AI governance framework2025 Tekkie Award · Member Growth
You're not doing this alone. We work toward the outcomes with you.
Software alone is not growth. Every institution on Cotribute has a Growth team assigned to it, targets set together, and an executive quarterly review at no added cost.
Before launch
Set targets together
Agree on your growth goals and the scorecard we'll track.
First 60 days
Hypercare
The launch team stays on the account until results are steady.
Ongoing
A dedicated Growth team
Assigned to your institution to help your team reach its growth outcomes.
Every quarter
Executive quarterly review
Results against your targets with your leadership team, at no added cost.
A typical scorecardNew members and customersApplications completedAccounts funded in sessionChecking deposit balancesLoan applications submitted
Keep your core, LOS and digital banking. Add growth. Under contract with another provider? With Parallel Start, go live now and pay nothing until that contract ends. Offered case by case. Typical timeline; lending and core timing vary by institution.
