Case Study · Account Opening
$10K in new deposits per account opened — and digital became the #1 channel in 90 days.
How Capitol Credit Union of Texas modernized loan and deposit growth on Jack Henry Symitar, cut processing time 70%, and lifted new memberships 59%.
Institution profile
An aging membership base — and fintech competitors moving fast
Capitol Credit Union of Texas needed to attract younger, non-blue-collar members and expand beyond an aging membership base. The credit union was competing for the same deposits as larger financial institutions and fintech companies — with a digital experience that wasn't winning that fight.
The goals were concrete:
- Attract a younger, more diverse membership base
- Accelerate loan and deposit growth
- Reduce employee processing time on new accounts
A modern digital front door, wired directly into Symitar
Capitol Credit Union transitioned to Cotribute's platform with seamless, real-time integration to Jack Henry Symitar — so accounts opened online land in the core without manual re-entry.
On top of the account opening flow, the team implemented personalized email cadences for onboarding new members, creating a modern digital experience that resonated with the younger demographic they were targeting.
What changed
"Our initial results have been phenomenal — on average, $10,000 in new deposits per account opened and 70% reduction in processing time. Cotribute's fintech solution is ahead of its time and has positioned us for significant growth."
Products used in this story
Consumer Account Opening
Account opening in under 2 minutes, with 90+ configurable financial product templates.
Explore Account Opening →Jack Henry Symitar Integration
One of 36+ direct, real-time API integrations — accounts book straight to the core.
Explore Integrations →Related customer stories
CPM Federal Credit Union
+32% new accounts and –82% manual review effort in 90 days with fraud detection and auto-decisioning.
Read the story →Credit Union 1
5X new memberships and 4.6% organic growth — more than 2X the industry average.
Read the story →Customer Stories & Outcomes
See every case study, testimonial, and our 90% NPS methodology in one place.
Back to all customers →Running Symitar? This playbook is repeatable.
See the same account opening flow Capitol launched, or model deposit growth for your own base.