Built for Credit Unions
Your members expect a Chime-fast experience; your board expects growth without a core conversion. Cotribute is purpose-built for $100M–$2B credit unions — member language throughout, field-of-membership eligibility built into every flow, and account opening in under 2 minutes on the core you already run.
Membership growth is an eligibility problem, a friction problem, and a staffing problem. We solve all three.
Field of membership, handled in-flow
Eligibility by SEG, geography, association, or family relationship is verified inside the application — not in a follow-up phone call. Co-branded SEG and community onboarding portals let you grow through employer partners, with 90+ configurable financial product templates to launch from.
SEG & Community Engagement →Member experience that converts
Clients see a 60% increase in conversions with modern application UX. High-friction steps like ID verification move to the right point in the flow, abandoned applicants get automated follow-ups, and joining takes under 2 minutes.
Consumer Account Opening →Growth without new headcount
Nutmeg State FCU automated 97.6% of manual origination steps and decisions 89.5% of applications instantly, using 70+ configurable fraud and risk decisioning rules. Your team reviews the exceptions, not every application.
Fraud & Decisioning →Results from credit unions your size
Credit unions and community banks across the country run Cotribute in production. Here is what five of them measured.
Credit Union 1 — 5X new memberships
5X increase in new memberships versus the prior six months, and 4.6% organic growth — more than 2X the industry average — by optimizing the digital joining experience and re-engaging abandoned applications.
Read the case study →Capitol CU of Texas — $10,000 per account
$10,000 average new deposits per account opened, a 70% reduction in processing time, and a 59% lift in new memberships on Jack Henry Symitar.
Read the case study →Nutmeg State FCU — 97.6% automation
97.6% of manual origination steps automated and 89.5% of applications decisioned instantly, triaged into auto-approve, auto-deny, and review queues.
Read the case study →CPM FCU — +32% new accounts
A $650M, 66K-member credit union grew new accounts 32% and cut manual review effort 82% in 90 days, with real-time core integration eliminating re-keying.
Read the case study →Red River CU — +28% loan applications
A $1.6B, 123K-member credit union unified branch and online lending on Corelation KeyStone — lifting monthly loan applications 28% with an 83% completion rate on its highest-volume product.
Read the case study →90% NPS across our client base
Measured November 2024, including clients of 8+ years. See every case study, testimonial, and headline metric in one place.
All customer stories →Deep, real-time integration with the cores credit unions run
36+ direct API integrations, with real-time connections to Jack Henry Symitar, Corelation KeyStone, and Fiserv cores (DNA, XP2, Portico). Applications land in your core without re-keying — member lookups, decisioning, document generation, and booking all flow through.
Jack Henry Symitar
Jack Henry VIP Partner and Banno Certified. Capitol Credit Union of Texas runs Cotribute on Symitar in production — $10,000 average new deposits per account opened.
Jack Henry integration →Corelation KeyStone
Corelation Preferred Partner. Red River CU runs unified branch and online lending on KeyStone — a 28% lift in monthly loan applications.
Corelation integration →Fiserv DNA, XP2, Portico
Fiserv AppMarket Partner with real-time connections across the Fiserv credit union cores.
Fiserv integration →Trusted by credit unions nationwide
"They helped us launch an entire Online Account Opening (OAO) platform in 30 days."
Credit union FAQ
CEOWill this actually move membership growth, or is it just a nicer form?
The measured results are growth results. Credit Union 1 saw a 5X increase in new memberships and 4.6% organic growth — more than 2X the industry average. Capitol Credit Union of Texas grew new memberships 59% while averaging $10,000 in new deposits per account opened. The mechanism is concrete: applications complete in under 2 minutes, friction is sequenced sensibly, and abandoned applicants are automatically re-engaged. Start with the case studies from institutions your size.
CFOWhat does it cost, and how do I justify the spend to the board?
Pricing is published and tiered by assets under management and the modules you choose — see the pricing page for how it works. On the return side, the benchmarks are attributed, not hypothetical: $10,000 average new deposits per account opened (Capitol CU of Texas), a 70% processing-time reduction (Capitol), and 82% less manual review effort (CPM FCU). If you want a board-ready working session first, the AI Executive Seminar is $5,000 for a half day and creditable toward implementation within 90 days.
CIODoes it integrate with our core in real time, or is this another batch-file vendor?
Real time. Cotribute maintains 36+ direct API integrations, including real-time connections to Jack Henry Symitar, Corelation KeyStone, and Fiserv cores (DNA, XP2, Portico). We are a Jack Henry VIP Partner, Corelation Preferred Partner, Banno Certified, and a Fiserv AppMarket Partner. Member lookups, decisioning, document generation, and booking flow directly into the core — no re-keying, no core replacement. Account opening can be live in ~30 days; Blue FCU's OAO launch in 30 days is documented.
ComplianceHow does this survive our vendor due diligence and the AI questions in our next NCUA exam?
Cotribute is SOC 2 Type 2 certified and FIS GKYC certified, with a public trust center at trust.cotribute.com. On AI: the three AI Growth Agents are human-in-the-loop by design — no autonomous actions, and no member data in public models. MCP Connect is read-only in v1.0, every query is audited with 7-year retention, and PII is masked by default. The trust page covers the due-diligence package your risk team will request.
CLOWe need lending, not just account opening. What's the proof there?
Red River Credit Union ($1.6B in assets, 123K members) unified branch and online consumer lending on Corelation KeyStone with Cotribute — a 28% lift in monthly loan applications and an 83% completion rate on their highest-volume product. Loan modules typically go live in 45–60 days depending on core. See Consumer Lending and the Red River case study.
COOHow much manual work does this actually remove from my staff?
Nutmeg State FCU automated 97.6% of manual origination steps and decisions 89.5% of applications instantly. CPM FCU cut manual review effort 82% in 90 days. Applications are triaged by 70+ configurable fraud and risk decisioning rules into auto-approve, auto-deny, and review queues — your team works the exceptions, not the pile. The implementation page shows what your team's first weeks look like.
See the member experience for yourself
Click through live joining and lending flows, then bring your questions to us.