Pricing that is easy to explain to your board
We do not publish a rate card — but we can tell you exactly how a quote is built, what is included, and the ROI math at institutions like yours.
How Cotribute pricing works
One platform subscription plus the modules you choose. Four things determine your price — and nothing else. Banks and credit unions run the same platform, tiered the same way by asset size.
Annual platform fee, tiered by asset size
The platform subscription covers hosting, security, the back office, analytics, support, and upgrades. It's tiered by assets under management, so a $300M credit union does not pay what a $3B bank pays. Your AUM tier — not your application volume — sets the fee.
Pay only for the modules you turn on
Each module is a separate line item: Consumer Account Opening (CAO), Business Account Opening (BAO), Consumer Lending (CLA), Business Lending (BLA), SEG & Community Engagement (SCE), and EnterpriseGuard for advanced fraud and decisioning. Start with one; add others when you are ready.
Bundle discounts for multi-module buys
Institutions that license multiple modules together receive bundle pricing — the per-module cost drops as you add scope. Most customers start with account opening and add lending or growth modules on the same contract.
One-time implementation, per module
Each module carries a one-time implementation fee covering configuration, core integration setup, testing, and launch support. It's a fixed fee scoped up front — not open-ended professional services billed by the hour.
What's included — no add-on line items
Core integrations included
Real-time integration with Jack Henry (Symitar, SilverLake, CIF 20/20, Core Director), Corelation KeyStone, and Fiserv (DNA, XP2, Portico, Premier) cores is included at no additional cost. We do not charge a "connector fee" to talk to your own core.
See all 36+ direct API integrations →90+ product templates
Every module ships with access to our library of 90+ configurable financial product templates — deposits, lending, and more — so you configure products instead of paying to build them.
Book a live demo →Fraud & decisioning rules
70+ configurable fraud and risk decisioning rules come with the platform. EnterpriseGuard is the optional module for institutions that want advanced protection layered across every channel.
Fraud & Decisioning →Support, upgrades, and the back office
Ongoing releases, the operations back office, analytics, and support are part of the platform fee. Our NPS of 90 (November 2024, clients of 8+ years) is measured on the whole relationship — not a premium support tier.
Customer stories →Implementation and growth teams
A named implementation team — project manager, core connection, product mapping, disclosures, decisioning rules — stays with you through launch and sixty days of hypercare. After that, a growth specialist and optimization team deliver quarterly executive reviews with your own data: where applications complete and where they stop, product by product and channel by channel, plus specific changes to capture the goals you set at kickoff. The same team also works with you on cross-sell and relationship growth, in-session activation, and onboarding optimization — across consumer and business, deposits and lending, new customers and existing customers — not as a ticket queue, but as an extension of your team. Both are included at no additional cost. If you would like to see some of their analysis, talk with us.
How implementation works →Timeline expectations
Budget conversations should include time-to-value. Here's what to expect — documented, not promised.
Sandbox in ~10 business days
Your configured sandbox environment is typically ready within about ten business days of kickoff, so your team is testing real flows — not reviewing slide decks.
Account opening live in ~30 days
Documented: Blue Federal Credit Union launched its entire online account opening platform in 30 days. That's the standard we plan account-opening implementations against.
Loan modules in 45–60 days
Consumer and business lending modules typically take 45–60 days depending on your core. Your implementation plan includes the core-specific timeline before you sign.
"Our collaboration with Cotribute has truly been lifesaving. We experienced a critical setback with another vendor who could not deliver on their technology promises, and we turned to Cotribute. Cotribute was able to blend speed and professionalism under the tightest of deadlines. Proving to be an excellent strategic partner, we look forward to scaling new heights together."
Kent Richards, Chief Information Officer, Blue Federal Credit Union
The ROI math your CFO will ask about
Three drivers pay for the platform: deposits per new account, the cost of acquiring each account, and the staff hours automation gives back.
Deposits. The case turns on one number: the share of applications that reach a funded account — 23% industry-wide against a 58% median across the Cotribute portfolio. Capitol Credit Union of Texas averages $10,000 in new deposits per account opened, funded in-session with direct deposit attached — core funding, designed in.
Acquisition cost. Acquiring a member costs $565, up 15% year over year (Clutch, 2026 Member Acquisition Cost Report). An under-2-minute application turns the marketing dollars you already spend into more funded accounts — Credit Union 1 grew new members per month 527% and posted 4.6% organic growth.
Automation. Nutmeg State FCU automated 97.6% of manual origination steps and approves 89.5% of applications instantly; CPM FCU cut manual review 82% while opening 32% more accounts in 90 days. Growth without headcount.
"Our initial results have been phenomenal — on average, $10,000 in new deposits per account opened and 70% reduction in processing time."
Pierre Cardenas, CEO, Capitol Credit Union of Texas
Run it with your own numbers.
Every figure is yours to change — switch off any quadrant you do not run and the case gets honestly smaller.
The three fixed coefficients, and their sources
| Coefficient | Value | Source |
|---|---|---|
| Portfolio funded rate | 58% | Cotribute portfolio median, self-measured |
| Portfolio instant-decision rate | 71% | Cotribute portfolio median, self-measured |
| Loan volume lift | 28% | Red River Credit Union, monthly loan applications at twelve months. One client, client-reported. |
The business quadrants use none of these except the instant-decision rate for the operating line. Their revenue lines are computed entirely from your own inputs, because there is no published Cotribute business origination outcome and the model borrows nothing.
Your case
The income-statement effect is what reaches your P&L in a year. Funding gathered and earning assets originated are balance-sheet movements on opposite sides of the sheet. We do not add them together.
| Line | Result |
|---|---|
| Consumer deposits — additional funded accounts | 1,380 |
| Consumer deposits — funding gathered | $6,900,000 |
| Consumer deposits — net interest income | $172,500 |
| Consumer lending — additional funded loans | 370 |
| Consumer lending — originated | $6,652,800 |
| Consumer lending — net interest income | $232,848 |
| Business deposits — accounts opened | 180 |
| Business deposits — funding gathered | $4,500,000 |
| Business deposits — net interest income | $112,500 |
| Business lending — loans funded | 60 |
| Business lending — originated | $5,100,000 |
| Business lending — net interest income | $204,000 |
| AI agents — additional products taken | 2,500 |
| AI agents — annual contribution from those products | $375,000 |
| AI agents — outreach hours released | 3,750 |
| AI agents — operating cost released | $131,250 |
| Operating cost released, origination | $158,543 |
| Operating cost released, total | $289,793 |
Line-by-line breakdown above updates as you change any figure.
Sources and assumptions
Industry funded rate from Cornerstone Advisors and Alkami, 2026 Digital Banking Performance Metrics, 89 retail institutions, May 2026. Cotribute portfolio median funded rate (58%) and median instant-decisioning rate (71%) are self-measured across the client portfolio and are not third-party audited. The 28% twelve-month increase in monthly loan applications is client-reported by Red River Credit Union and is one institution’s outcome, not a portfolio median. No Cotribute figure is used in the business deposit or business lending lines. All application volumes, completion rates, average balances, margins, spreads, staff minutes and hourly costs are inputs you supply. The AI agent line is a planning model, not a projection from measured results: no agent-attributed client outcome is published, and the 10% additional-product rate and 10-minute manual personalisation time are Cotribute planning defaults for you to replace. The agent line counts annual contribution per additional product only — never balances — because any balance an additional product carries is already counted in whichever origination quadrant opened it. Interest income, contribution, funding gathered and earning assets originated are reported separately and are never summed. Actual results vary with your market, product set, credit policy and configuration.
Want numbers for your institution?
We run interactive, institution-specific pricing and ROI calculators live with your team — your asset size, your product mix, your volumes. Because quotes are specific to your institution, we share them under NDA. Thirty minutes gets you a real number, not a range.
See the product before you see the quote
Explore 90+ live template demos, then bring your numbers to a 30-minute pricing conversation.