QwickRate

What QwickRate does

QwickRate is a financial services technology provider founded in 1985-1986 and headquartered in Marietta, Georgia, serving community banks and credit unions in the United States. Its core product is the QwickRate CD Marketplace, a non-brokered funding and investing network that connects 2,500+ institutions directly to one another for certificate-of-deposit transactions, eliminating broker intermediaries, brokerage fees, and rate stripping. Because the transactions are direct institution-to-institution rather than broker-mediated, they qualify as non-brokered for regulatory purposes, which satisfies examiner expectations for funding diversification. The platform is built around real-time rate listings maintained by participating institutions, integrated rate-setting and monitoring tools, and automated month-end accruals, activity tracking, and audit-friendly reporting for deposit operations.

The company monetizes through a subscription model billed annually, in which institutions pay for marketplace access without per-transaction or brokerage charges. Go-to-market is sales-led and enterprise field-sales oriented, targeting bank and credit-union decision-makers (CEOs, CFOs, presidents) through specialist consultations, personalized demos, industry conferences (e.g., Bank Director's Acquire or Be Acquired, CCBN Chief Credit Officers' Conference), webinars, and content marketing, reinforced by an ICBA Preferred Service Provider endorsement that functions as both a credibility marker and a referral channel. Customer segments are vertically defined by institution size and type: community banks, credit unions, and mid-size institutions intentionally priced for smaller teams. Reported scale signals include $10B+ in deposit funding enabled annually, a 93% subscription renewal rate, and customer-reported yield pickups of 30-40 basis points versus broker channels.

On January 20, 2026, QwickRate combined with Infusion Marketing Group and IntelliCredit to form OptimaFI, a merged entity serving 2,500+ community banks and credit unions and integrating marketing, credit-risk, and liquidity-management capabilities. Under OptimaFI, the QwickRate CD Marketplace continues to operate as part of the Balance Sheet Solutions line, alongside an expanded portfolio spanning Growth Solutions (Acquire, Onboard, Cross Sell, Household Insights), Credit Risk Solutions (Third-Party Loan Review, Portfolio Analysis, Portfolio Stress Test, CECL), and Call Report Insights, plus the legacy QwickAnalytics brand. QwickRate now operates as a division/brand within OptimaFI rather than as an independent entity.

Name

QwickRate

Website

https://qwickrate.com

Company type

Private

Founded year

1986

Operating status

Acquired

Headcount range

11–50 employees

Short description

QwickRate operates a non-brokered CD Marketplace connecting 2,500+ U.S. community banks and credit unions for direct, broker-free funding and investing. Sold via annual subscription, it enables $10B+ in deposit funding annually; now part of OptimaFI following a January 2026 merger.

Ownership category

akta.pro rank

Headquarters

HQ city

Marietta

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Subscription Revenue: The non-brokered CD Marketplace operates on a straightforward subscription model where institutions pay a subscription fee for access to the marketplace platform. Users can post and accept funding without paying brokerage fees, middlemen, or transaction-based charges. The goal is to reduce funding costs, not add new ones.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

QwickRate operates the QwickRate CD Marketplace, a non-brokered funding and investing network that directly connects 2,500+ community banks and credit unions for certificate of deposit transactions, eliminating broker fees and rate stripping. The platform includes integrated rate-setting tools, real-time rate listings from participating institutions, and automated month-end reporting (accruals, activity tracking, audit-friendly confirmations). As of January 2026, QwickRate was combined with Infusion Marketing Group and IntelliCredit to form OptimaFI, with the CD Marketplace continuing to operate under OptimaFI's Balance Sheet Solutions.

Product overview

QwickRate (now part of OptimaFI following the January 2026 merger with Infusion Marketing Group and IntelliCredit) operates as a unified platform serving more than 2,500 community banks and credit unions. The core offering is the QwickRate CD Marketplace, a non-brokered funding and investing network that has served the industry for over 40 years. This core platform is complemented by a suite of integrated modules organized into three solution categories: Growth Solutions (Acquire, Onboard, Cross Sell, Household Insights), Credit Risk Solutions (Third-Party Loan Review, Portfolio Analysis, Portfolio Stress Test, CECL), and Balance Sheet Solutions (CD Marketplace, Call Report Insights). The portfolio also includes QwickAnalytics for data analytics and IntelliCredit for credit risk assessment. These products work together to help financial institutions manage deposits, loans, relationships, credit risk, and liquidity through integrated marketing, credit risk, and balance sheet management expertise.

Differentiator

Problem solved

Functional benefit

Brands

• QwickRate CD Marketplace: Non-brokered CD Marketplace serving community banks and credit unions for funding and investing needs.
• QwickAnalytics

Products and services

• CD Marketplace (formerly QwickRate CD Marketplace) Non-brokered CD marketplace enabling community banks and credit unions to directly connect for funding and investing, eliminating broker fees and rate stripping. Trusted by 2,500+ institutions for more than 40 years.
• Call Report Insights

Quantifiable outcome

• Earn 30-40 basis points more than going through a broker on CD investments
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• Independent Community Bankers of America (ICBA)coreGTM or Marketing PartnerOptimaFI's CD Marketplace (formerly QwickRate CD Marketplace) is the ONLY non-brokered funding source selected as a Preferred Service Provider of ICBA. This endorsement provides credibility with community banks and serves as a key marketing channel through ICBA's member network.

Scale indicators7 records

Recent moves4 records

Expansion highlights5 records

Emerging players

• Curinos: Curinos (formerly Novantas) provides retail banking analytics, pricing, and benchmarking tools to financial institutions. Its peer benchmarking and deposit analytics overlap with OptimaFI's Call Report Insights and balance-sheet analytics.
• Baker Hill Solutions: Baker Hill delivers loan origination, portfolio management, and risk analytics software to community banks. It competes with IntelliCredit and OptimaFI's credit risk solutions for similar buyers.
• PrecisionLender: PrecisionLender (now part of Q2) provides commercial lending pricing and profitability tools to community and regional banks. It competes with parts of OptimaFI's credit risk and relationship-pricing portfolio.

Direct peers

• The Baker Group: The Baker Group provides fixed-income brokerage, investment advisory, and balance-sheet management services to community banks. It is a relevant competitor for deposit funding and investment portfolio services aimed at the same community-bank audience.
• IntraFi Network: IntraFi (formerly Promontory Interfinancial Network) operates CDARS and ICS, the largest deposit-sweep and reciprocal CD network in the U.S. It is the most direct competitor to QwickRate's non-brokered CD Marketplace, serving community banks and credit unions with institution-to-institution funding products.
• Strunk-Albert / ALM First: ALM First provides asset/liability management, investment advisory, and balance-sheet consulting to community financial institutions. It is a relevant competitor for liquidity and funding-strategy services serving the same buyer profile.

Others

• Celent: Celent is a research and advisory firm focused on technology and innovation in banking. It is adjacent rather than directly competitive but serves as an industry signal-setter for the same community-bank technology buyer.

Broad incumbents

• Allied Solutions: Allied Solutions provides a broad portfolio of insurance, lending, and marketing products to U.S. community banks and credit unions. It overlaps with OptimaFI's growth and credit risk modules and competes for the same mid-market institution buyer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about QwickRate