The CorePoint

What The CorePoint does

The CorePoint is a private, founder-owned software and consulting company founded in 2010 by Neil Stanley, a Nebraska-based banker with 30 years of executive experience at three high-performance family-owned banking groups. The company is headquartered in Nebraska and serves community banks and credit unions in the United States, helping them modernize retail deposit strategy, particularly for certificates of deposit (CDs) and long-term savings products. Its core product, CoreCD, is a web-based deposit pricing and negotiation platform that produces customized rate sheets, comparative quotes, and peer-positioning analysis so bankers can differentiate on value rather than rate alone. The platform bundles a patented Redeemable CD (or Nextgen Withdrawal) process, a CD Refinance Analysis tool, a patent-protected Investment Impact of Early Withdrawal Calculator, and daily CD redemption capabilities.

The business combines recurring annual software subscriptions with professional services: ALCO consulting, deposit strategy workshops, frontline sales training, and executive coaching. It also monetizes two granted U.S. patents covering time-deposit business processes, including the Redeemable CD methodology. Distribution is sales-led, combining enterprise field sales and Calendly-scheduled demos with an alliance network of more than fifteen banking consultants and complementary technology partners. Go-to-market is reinforced by aggressive thought leadership — Neil Stanley publishes in BAI, The Financial Brand, CUInsight, BankNews, hosts a YouTube channel (To The Point), and speaks at conferences including the Retail Deposit Optimization conference and the Madison Graduate School of Banking.

Productization has expanded beyond the CoreCD toolkit into standalone analytics: the Term Funding Profitability Benchmark (monthly, built on FHLB and public data), Pressure Gauge for Bank Funding, Chaos Reports, Option Adjusted Estimated Cost Calculator, and Forward Implied FHLB Advance Rates. Customers include Arbor Bank and an undisclosed mid-market credit union, with the company referencing use across community banks and credit unions of varying size. The CorePoint remains privately held with no disclosed institutional funding and currently runs 11-50 employees.

Name

The CorePoint

Legal name

The CorePoint

Website

https://thecorepoint.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

The CorePoint is a Nebraska-based software and consulting firm, founded in 2010 by banker Neil Stanley, that helps U.S. community banks and credit unions modernize retail deposit strategy through its CoreCD pricing platform and patented Redeemable CD process.

Ownership category

akta.pro rank

Product category

Banking Deposit Management Software

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Treasury, Cash Management & Liquidity Tools (Sweeps, Cash Concentration) (FSAGAAAG)

akta.pro secondary industry

Treasury & Risk Management Solutions (FX/MM, hedging, TMS integration) (FSABAIAE)

Keywords

• Deposit pricing software
• CD negotiation tools
• Retail deposit strategy
• Certificate of deposit analytics
• Banking deposit consulting

Headquarters

HQ city

Omaha

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. CoreCD Software Subscription: Web-based software subscription providing access to the CoreCD toolkit for deposit pricing and negotiation. Includes data tracking, rate sheet generation, and comparative market analysis tools.
2. Consulting Services: Strategy consulting and employee development solutions for financial institutions. Includes ALCO consulting, deposit strategy development, and executive workshops.
3. Training Services: Training packages as part of CoreCD to keep teams aligned and up-to-date with strategies discussed in ALCO. Includes frontline sales training and executive coaching.
4. Patent Licensing: Licensing of patented Redeemable CD processes to financial institutions for origination or enhanced servicing of CDs with early withdrawal options.

Pricing tiers

Go-to-market motion4 records

Distribution channels4 records

Marketing channels8 records

Core offering

The CorePoint helps U.S. financial institutions modernize retail deposit strategy through CoreCD, a web-based SaaS platform that enables bankers to negotiate with depositors using customized rate sheets, comparative quotes, and market-positioning analytics. The company supplements this with patented Redeemable CD (Nextgen Withdrawal) processes that allow flexible early withdrawal options for certificates of deposit, along with consulting, training, and data-tracking services.

Product overview

The CorePoint offers a unified platform centered on CoreCD, a web-based software for deposit negotiation and pricing, supplemented by the Redeemable CD (Nextgen Withdrawal) process that provides flexible early withdrawal options for traditional CDs. The portfolio includes analytical tools such as the Chaos Reports, Pressure Gauge for Bank Funding, Term Funding Profit Benchmark, and various calculators for pricing and early withdrawal analysis. Additional offerings include data tracking and guidance services, training bundled with CoreCD, and educational resources like deposit guides and playbooks.

Differentiator

Problem solved

Functional benefit

Brands

• CoreCD: A web-based software toolkit that allows bankers to successfully negotiate with depositors, providing customized rate sheets and comparative quotes for each depositor.
• Redeemable CD
• CDtwo
• CoreCD Toolkit

Products and services

• CoreCD CoreCD is a web-based software platform that enables bankers to negotiate with depositors by generating customized, comparative CD rate sheets that show value beyond rate alone, allowing financial institutions to see how their rates compare against peers.
• Redeemable CD (Nextgen Withdrawal) Patented process that allows financial institutions to customize early withdrawal options for certificates of deposit, incentivizing or disincentivizing withdrawal based on deposit replacement cost calculations. Also referred to as CDtwo and Nextgen Withdrawal.
• Training Services Training services included with the CoreCD package to keep client teams aligned and up-to-date with deposit pricing and ALCO strategies; often structured as multi-year contracts.
• Data Tracking and Guidance Data gathering, compilation, and monthly guidance calls that help financial institutions drive deposit growth beyond peer benchmarks and achieve deposit goals.
• Strategy Consulting and ALCO Advisory Strategy consulting, ALCO consulting, deposit strategy development, and executive workshops delivered to financial institutions to complement the CoreCD software.
• Term Funding Profit Benchmark Independent monthly benchmark for term deposit profitability applicable to any institution size, built on FHLB and public data comparisons.

Quantifiable outcome

• Early withdrawal adoption rate of approximately 5% when 'in the money' CD holders receive promotions via direct mail
• +2 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

Feature7 records

Partnerships

16 partnerships are on record, tiered core and minor.

• Arbor BankcoreStrategic or Co-development Partner · 16 August 2022Arbor Bank partnered with The CorePoint to build CD deposit strategy using CoreCD software and consulting services to drive revenue and provide personalized customer experience for savings products.
• DeepTargetcoreGTM or Marketing PartnerJoint webinar partnership on 'Harnessing Digital Banking to Grow Deposits Profitably'. Both companies serve community banks and credit unions with complementary deposit growth solutions.
• KasasacoreGTM or Marketing PartnerJoint webinar partnership with Kasasa CEO Gabe Krajicek and The CorePoint Founder & CEO Neil Stanley discussing dual-engine deposit strategy combining elevated CD strategy with behaviorally funded checking and savings.
• Eris InnovationsminorStrategic or Co-development PartnerJoint webinar with Craig Haymaker of Eris Futures discussing hedging solutions and deposit strategy. Partnership focused on helping institutions manage funding costs in challenging deposit environment.
• FinovifiminorGTM or Marketing PartnerFeatured at Finovifi events including a March 2026 webinar on Bank C-Suite Needs with Neil Stanley presenting on AI, faster payments, and evolving deposit strategies.
• ICBB (Independent Community Bankers)minorGTM or Marketing PartnerNeil Stanley featured on The Correspondent Banking Podcast from ICBB discussing deposit strategy, AI, and banking innovation. Madison Caplinger interviewed Stanley on challenges facing community bank leadership.
• Quest AnalyticsminorGTM or Marketing PartnerAlliance partner in the banking ecosystem. Quest Analytics provides deposit optimization solutions; CorePoint provides deposit strategy expertise for joint client value.
• PrecisionLender (Q2)minorGTM or Marketing PartnerAlliance partner; Neil Stanley appeared on PrecisionLender podcast discussing how banks can 'Uberize' deposit pricing and strategies for attracting and retaining properly priced deposits.
• HaberfeldminorImplementation/ SI/ Consulting PartnerBanking consulting firm alliance partner. Haberfeld provides consulting services; CorePoint provides deposit strategy and CD pricing technology solutions.
• Taylor AdvisorminorImplementation/ SI/ Consulting PartnerBanking advisory services partner in the alliance network.
• Acumen Financial AssociatesminorImplementation/ SI/ Consulting PartnerBanking financial advisory services partner in the alliance network.
• Cross FinancialminorImplementation/ SI/ Consulting PartnerBanking consulting partner in the alliance network.
• The NBS GroupminorImplementation/ SI/ Consulting PartnerBanking consulting group partner in the alliance network.
• KPN ConsultingminorImplementation/ SI/ Consulting PartnerBanking consulting partner in the alliance network.
• Reynolds WilliamsminorImplementation/ SI/ Consulting PartnerBanking advisory partner in the alliance network.
• World Bridge PartnersminorImplementation/ SI/ Consulting PartnerBanking consulting and executive search partner in the alliance network.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Baker Hill: Baker Hill provides loan origination, deposit, and customer relationship management software to community banks. Its deposit analytics and CRM offerings target the same ALCO and retail banking buyers as The CorePoint's CoreCD.
• Abrigo: Abrigo is a large bank technology vendor offering loan, compliance, ALM, and analytics software to community banks. Its ALM and analytics modules overlap conceptually with The CorePoint's deposit pricing and benchmarking tools, and it serves the same buyer base.
• PrecisionLender (Q2): PrecisionLender, now part of Q2, provides commercial and deposit pricing software for banks. It is a broader incumbent in bank pricing technology, selling to many of the same community and regional bank ALCOs The CorePoint targets, and is also a listed CorePoint GTM alliance partner.
• Jack Henry & Associates: Jack Henry is a major core banking and digital banking technology provider to community and regional banks. It serves many of the same institutions The CorePoint sells into and could in theory bundle deposit-pricing functionality.

Others

• Haberfeld: Haberfeld is a banking consulting firm focused on deposit growth and retail strategy for community banks. It is a listed CorePoint alliance/consulting partner and competes for the same deposit-strategy consulting budget.
• FiFi (Finovifi): Finovifi is a banking-focused events and content business hosting conferences and webinars where community bank technology vendors present. It is a CorePoint GTM partner and a comparable ecosystem connector for the community-bank fintech category.

Direct peers

• DeepTarget: DeepTarget provides digital marketing and deposit growth solutions to community banks and credit unions. It competes for the same deposit-growth budget and is a listed CorePoint webinar co-marketing partner.
• Kasasa: Kasasa offers consumer checking/savings products and marketing analytics to community banks and credit unions. It is a direct peer in serving community financial institutions on the deposit side and is a named CorePoint GTM partner for webinars on 'dual-engine deposit strategy.'
• Quest Analytics: Quest Analytics provides deposit optimization solutions to community banks. It is a named CorePoint alliance partner and a direct peer in deposit analytics/pricing for the same community-bank segment.

Emerging players

• Onesum (formerly TreasuryXpress): Onesum is a treasury and cash management technology provider to corporates and financial institutions. While more focused on corporate treasury, it overlaps with The CorePoint's positioning around liquidity and deposit-side management tools.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCID6tsDXSsuyWRK4-Wx3qTg/featured

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

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 The CorePoint