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    • Home
    • CoreCD
    • Customize CDs
    • CD Benchmark
    • About
      • About
      • Contact
      • Media Kit
      • Book Us to Speak
    • Resources
      • Client Login
      • Guidance
      • Market Resources
      • Analytics
      • Articles and Publications
      • Webinars and Podcasts
      • Financial Wellness
    • Nextgen Withdrawal
  • Home
  • CoreCD
  • Customize CDs
  • CD Benchmark
  • About
    • About
    • Contact
    • Media Kit
    • Book Us to Speak
  • Resources
    • Client Login
    • Guidance
    • Market Resources
    • Analytics
    • Articles and Publications
    • Webinars and Podcasts
    • Financial Wellness
  • Nextgen Withdrawal

Same CDs, More Personalization

Consumers and businesses customize everything from air travel to sneakers. Why not CDs? 

Why Prioritize This?

As Seen On

How We Enable Customization

Consumers want the ability to tailor services based on their unique or changing needs. 


They want the same from their banking provider. That's why institutions have quietly begun to offer greater personalization of deposit products over the past 15 years. 


Starting with practical enhancements such as expanded deposit insurance, banks and credit unions now additional and valued customization features that save significant sums in interest expense.  


The CorePoint provides institutions with the processes, training, and technology to personalize CDs at their branches or to launch digital offerings. We bring the best practices to fit your strategy. 



Schedule a call

Enhanced Withdrawal Benefits

Enhance Withdrawal

Attract More High- Balance Savers

Enhance Withdrawal

Allow early withdrawal for depositors through a simple

method tied to replacement cost.

Expand CDs’ Appeal

Attract More High- Balance Savers

Enhance Withdrawal

Change CDs' locked-in-to-

maturity stigma and create more demand from long-term savers. 

Attract More High- Balance Savers

Attract More High- Balance Savers

Attract More High- Balance Savers

 Provide institutions with a CD that competes for high-balance savers who often prefer U.S. Treasuries, Money Market Mutual Funds, and Annuities 

Protect Cost of Funds

Attract More High- Balance Savers

Attract More High- Balance Savers

Rather than simply

removing penalties, allow institutions to incent or disincent withdrawal.

Are Traditional CDs Broken?

The Inverted Penalty Problem

A Product Made Better for Everyone

The Inverted Penalty Problem

Here's how a market-value analysis of the $3.5 Trillion CD Market reveals the structural problem with traditional CDs and how it exposes deposits to new threats from agentic AI.


Quick View

The CD Design Flaw in Action

A Product Made Better for Everyone

The Inverted Penalty Problem

 Every depositor can stay in a CD or break it to reinvest. 


This tool uses future value comparisons to show just how susceptible the traditional CD is, and AI is exposing the weakness more.

Access the Tool

A Product Made Better for Everyone

A Product Made Better for Everyone

A Product Made Better for Everyone

 Market valuation of early withdrawal removes the traditional penalty's flaw while also creating win-win withdrawals for institutions and depositors.  


Want proof? 

Test Your CDs

Enhanced CD Servicing

Originating Redeemable CDs

A Product Made Better for Everyone

Start here. 

Quick View

Originating Redeemable CDs

Originating Redeemable CDs

Originating Redeemable CDs

Often launched after enhanced servicing. 

Banking Deep Dive

FAQ

Originating Redeemable CDs

Originating Redeemable CDs

What about technology, regulation, adoption, etc?

Our Answers

Durable Differentiation

Investment Impact of Early Withdrawal Calculator

Investment Impact of Early Withdrawal Calculator

Patent protected.

U.S. Patent

Investment Impact of Early Withdrawal Calculator

Investment Impact of Early Withdrawal Calculator

Investment Impact of Early Withdrawal Calculator

Access Here

Access Excel Spreadsheet

Redeemable CD Webinar March 2025

Investment Impact of Early Withdrawal Calculator

Redeemable CD Webinar March 2025

Access Here

Access the Webinar

AI Analysis of Redeemable CDs

AI Analysis of Redeemable CDs

Redeemable CD Webinar March 2025

Access Here

Access the Conversation

Promotional Materials

AI Analysis of Redeemable CDs

Promotional Materials

Access Here

Access the Material

Want to Lower Deposit Costs?

Let us show you a personalized plan.
Book a Call

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