# Cotribute

> Cotribute is the AI growth platform for credit unions and community banks — digital account origination, AI Growth Agents, and governed AI access to core data via MCP Connect. SOC 2 Type 2 certified.

Cotribute helps financial institutions grow deposits, loans, and membership while cutting cost and fraud: account opening in under 2 minutes, 97.6% of manual origination steps automated (Nutmeg State FCU), 89.5% of applications decisioned instantly, live in ~30 days on your existing core (Jack Henry, Corelation, Fiserv — 36+ direct API integrations).

## New in September 2026
- [The First 90 Days: Turning Opened Accounts into Primary Relationships](/resources-first-90-days-account-activation): New account activation for credit unions and banks: the four events that make an account primary, a 90-day scoreboard, and how to run them in-session.
- [The Median Credit Union Is Shrinking. Here Is What the Growers Do Differently.](/blog-median-credit-union-shrinking): Credit union membership growth 2026: the system grew 1.7% while the median shrank. What the growers do differently, from funnel math to activation.
- [Deposit Inertia Is Over: A Deposit Growth Playbook That Doesn't Reprice Your Book](/resources-deposit-growth-playbook-2026): A deposit growth strategy for 2026 CFOs: win new money at the moment of intent, fund in session and convert hot money without repricing your book.
- [Business Account Opening After the CTA Rollback: The 2026 KYB and CDD Playbook](/resources-business-account-opening-cdd-kyb-2026): FinCEN made your CDD form the primary record. How community banks run beneficial ownership verification 2026 inside digital business account opening.
- [First-Party Fraud Is a New-Account Decision, Not a Transaction Alert](/blog-first-party-fraud-account-opening): First-party fraud prevention starts at account opening, not transaction monitoring. How CROs set institution-owned rules that cut losses, not applicants.
- [An AI Governance Policy Your Board Can Approve](/resources-ai-governance-policy-board): A board-ready AI governance policy for credit unions and community banks: capability tiers, controls per tier, a policy skeleton and a quarterly report.
- [Agentic AI Is Coming to Your Core. Set the Terms Before It Arrives.](/blog-agentic-ai-core-data-terms): Agentic AI banking is arriving core by core. Five terms CIOs at credit unions and community banks should put in writing before any agent touches core data.
- [HELOC and Home Equity Digital Origination Without Rebuilding Your LOS](/resources-heloc-home-equity-digital-origination): HELOC digital origination guide: one application for every home-equity product, stipulations collected in-session, a clean hand-off to your existing LOS.
- [Indirect Auto Was Your Membership Engine. It Isn't Anymore.](/blog-indirect-auto-membership-growth): Indirect auto lending fed credit union membership for 20 years. With auto share at 19.56%, here is the direct origination model that replaces it.
- [Member Acquisition Cost: The Denominator Problem](/resources-member-acquisition-cost): Member acquisition cost measured per application understates the real figure by four times or more. How to measure cost per funded account and cut it.

## Platform
- [Platform overview](/platform): Three layers — origination, AI Growth Agents, MCP Connect.
- [Consumer Account Opening](/platform/consumer-account-opening): Under-2-minute openings, automated KYC/fraud, instant funding.
- [Business Account Opening](/platform/business-account-opening): KYB, FinCEN CDD beneficial ownership, Secretary of State checks.
- [Consumer Lending](/platform/consumer-lending): Instant pre-qualification and decisioning; +28% loan applications at Red River CU.
- [Business Lending](/platform/business-lending): Commercial, SBA-ready, multi-signer.
- [Fraud & Decisioning](/platform/fraud-and-decisioning): FraudGuard+, BusinessGuard+, DecisionIntelligence+ (70+ rules), EnterpriseGuard+.
- [AI Growth Agents](/platform/ai-growth-agents): Acquisition, cross-sell, and relationship agents — human-in-the-loop, in production since June 2025.
- [Developer Hub](/developers): MCP Connect v1.0 quickstart, OAuth 2.1 authentication, endpoints, capabilities, errors, quotas, and security boundaries.
- [MCP Connect](/platform/mcp-connect): Governed AI access for Copilot, Claude, ChatGPT — read-only, audited, PII-masked. Starter included with AI Growth Agents.

## Evaluate
- [Pricing & ROI](/pricing): How modular, AUM-tiered pricing works; timelines; ROI drivers.
- [Compare vendors](/compare): Honest comparisons vs MANTL (Alkami), Narmi, Clutch, MeridianLink, Glide, Prelim, Aerial.
- [Implementation](/implementation): Live in ~30 days — sandbox, hyper-care, dedicated PM.
- [Trust & Security](/trust): SOC 2 Type 2, AI governance, due-diligence package. Trust center: https://trust.cotribute.com · Status: https://status.cotribute.com
- [Customer stories](/customers): Capitol CU ($10K deposits/account), Credit Union 1 (527% growth in new members per month), Nutmeg State (97.6% automation), CPM FCU (+32% accounts), Red River CU (+28% loan apps). NPS of 90 (Nov 2024).
- [Integrations](/integrations): Jack Henry (VIP Partner), Corelation KeyStone (Preferred Partner), Fiserv, Alkami, Banno, Finastra, Sync1, REPAY, Stripe.

## Resources
- [Business Account Opening Guide](/resources/business-account-opening-guide): Five steps — entity verification, beneficial ownership, KYB+KYC, bundling, straight-through core integration.
- [Gen Z Onboarding Guide](/resources/gen-z-onboarding-guide): Mobile-first onboarding for young members.
- [Industry Benchmarks](/resources/ai-benchmarks): Touchless decisioning, conversion, deposit and loan averages.
- [NCUA AI Readiness Guide](/resources/ncua-ai-readiness-guide): Examiner expectations and AI vendor checklist.

- [Partners](/partners): Certified core-platform partnerships (Jack Henry VIP, Corelation Preferred, Fiserv AppMarket, FIS GKYC) and referral/advisory partnerships for CUSOs and consultants.

## Blog (highest-traffic guides)
- [Frictionless business account opening for SMBs](/blog/why-frictionless-business-account-opening-is-the-key-to-winning-todays-smbs)
- [The battle for deposit growth](/blog/the-battle-for-deposit-growth-how-community-banks-can-win-against-megabanks-and-fintechs)
- [7 types of digital financial products](/blog/7-types-of-digital-financial-products-that-could-take-your-company-further)
- [The battle for new member growth](/blog/the-battle-for-new-member-growth)
- [Core banking solutions](/blog/core-banking-solutions)
- [Digital onboarding and core banking](/blog/digital-onboarding-core-banking)
- [Harnessing AI Growth Agents](/blog/harnessing-ai-growth-agents-transforming-the-future-of-banking-and-credit-unions)
- [Core banking systems architecture](/blog/core-banking-systems-architecture)

## Engage
- [Talk with us](https://workspace.cotribute.co/schedule): 30-minute conversation on your core and products (scheduling hosted on workspace.cotribute.co).
- [AI Executive Seminar](/ai-executive-seminar): $5,000 private half-day for your executive team, creditable toward implementation.

## Key facts
- Audience: U.S. credit unions and community banks (community institutions through enterprise scale — clients range from $100M credit unions to Fortune 500 Thrivent, $250B+ AUM, where Cotribute runs associate membership onboarding), plus their compliance, risk, and TPRM teams.
- Founded 2015, Anaheim, CA. Certifications: SOC 2 Type 2, FIS GKYC, Jack Henry VIP Partner, Corelation Preferred Partner, Banno Certified, Fiserv AppMarket Partner.
- AI posture: human-in-the-loop, no autonomous actions, no member data in public models; MCP Connect read-only v1.0, every query audited (7-year retention), PII masked by default.
- Designed for NCUA 2026 supervisory posture: BSA/AML, fair lending, vendor management, third-party oversight.