Pricing that's easy to explain to your board
We don't publish a rate card — every institution's product mix and asset size is different — but we can tell you exactly how a Cotribute quote is built, what's included, and what the ROI math looks like at institutions like yours. No surprises at the proposal stage.
How Cotribute pricing works
One platform subscription plus the modules you choose. Four things determine your price — and nothing else.
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 doesn't 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're 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 don't 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.
Try live demos →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 90% NPS (November 2024, clients of 8+ years) is measured on the whole relationship — not a premium support tier.
Customer stories →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.
"They helped us launch an entire Online Account Opening (OAO) platform in 30 days."
Kent Richards, CIO, Blue Federal Credit Union
MCP Connect pricing
MCP Connect lets your team query origination data through AI assistants — read-only in v1.0, every query audited with 7-year retention, PII masked by default.
| Starter | Plus | Enterprise | |
|---|---|---|---|
| Price | $0 — included with AI Growth Agents | $9,600/yr | Custom |
| Access | Read-only queries, PII masked by default | Read-only queries, PII masked by default | Read-only queries, tailored data scopes |
| Audit | Every query audited, 7-year retention | Every query audited, 7-year retention | Every query audited, 7-year retention |
| Best for | Teams starting with AI Growth Agents | Institutions expanding AI-assisted analytics | Larger institutions with custom governance needs |
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. Capitol Credit Union of Texas averages $10,000 in new deposits per account opened through Cotribute — alongside a 70% reduction in processing time and a 59% lift in new memberships. Multiply that deposit figure by your monthly account-opening target and the platform fee gets small fast.
Acquisition cost. Industry estimates put the cost of acquiring a new member or customer at roughly $450. Cutting abandonment with an under-2-minute application means the marketing dollars you already spend produce more funded accounts — Credit Union 1 grew new memberships 5X and posted 4.6% organic growth, more than double the industry average.
Automation. Nutmeg State FCU automated 97.6% of manual origination steps and decisions 89.5% of applications instantly. CPM FCU ($650M in assets, 66K members) cut manual review effort 82% while opening 32% more accounts — in 90 days. That's staff time returned to member service, not headcount you need to add to grow.
"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
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.
Pricing FAQ
CFOWhat actually drives the price?
Four inputs: (1) your annual platform fee, tiered by assets under management; (2) which modules you license — CAO, BAO, CLA, BLA, SCE, and EnterpriseGuard; (3) bundle discounts when you license multiple modules together; and (4) a one-time, fixed implementation fee per module. Application volume within your tier does not change your subscription.
CFOWhat contract terms should we expect?
Cotribute agreements are annual subscriptions, typically multi-year, with module fees and implementation itemized on the order form so your board sees exactly what each line buys. Contract length, renewal terms, and any bundle pricing are spelled out in your NDA-gated quote — ask us to walk your finance team through a sample order form.
CFOWhat's included in the platform fee — and what costs extra?
Included: hosting, security, the operations back office, analytics, support, upgrades, 90+ product templates, 70+ fraud and decisioning rules, and real-time core integrations with Jack Henry, Corelation, and Fiserv cores at no additional cost. Priced separately: the modules you choose, their one-time implementation, and optional add-ons like MCP Connect Plus ($9,600/yr) if you outgrow the included Starter tier.
CFOHow does overage work if we grow faster than expected?
Growth is the point — we don't meter applications inside your tier. Platform fees are tied to your AUM tier, and how tier changes are handled (typically at renewal, not mid-term) is written into your agreement up front. Ask us to show you exactly how a move from one tier to the next would price before you sign.
CFOAre implementation fees fixed or time-and-materials?
Fixed and scoped per module before signature — configuration, core integration setup, testing, and launch support. Timelines are documented too: sandbox in about 10 business days, account opening live in ~30 days (Blue FCU, documented), and loan modules in 45–60 days depending on core. If you've attended our AI Executive Seminar ($5,000, half-day), that fee is creditable toward implementation within 90 days.
ITDo core integrations or API connections carry separate fees?
No. Our 36+ direct API integrations — including real-time connections to Jack Henry (Symitar, SilverLake, CIF 20/20, Core Director), Corelation KeyStone, and Fiserv (DNA, XP2, Portico, Premier) — are included with the platform. There is no per-connector charge to integrate with your own core.
See the product before you see the quote
Explore 90+ live template demos, then bring your numbers to a 30-minute pricing conversation.