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

Allow early withdrawal for depositors through a simple
method tied to replacement cost.
Change CDs' locked-in-to-
maturity stigma and create more demand from long-term savers.
Provide institutions with a CD that competes for high-balance savers who often prefer U.S. Treasuries, Money Market Mutual Funds, and Annuities
Rather than simply
removing penalties, allow institutions to incent or disincent withdrawal.
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.
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.
Market valuation of early withdrawal removes the traditional penalty's flaw while also creating win-win withdrawals for institutions and depositors.
Want proof?
Start here.
Often launched after enhanced servicing.
What about technology, regulation, adoption, etc?
Patent protected.
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