Cotribute and Corelation launch AI agents for credit unions | Credit Union Journal

• Key insight: Agentic AI tools can enable growth for credit unions without replacing existing systems.   
• Supporting Data: Forty-six percent of credit unions expect AI to affect customer experience, but implementation is slow so far.
• What’s at stake: Credit unions risk falling behind in member acquisition and personalization if adoption stalls. 
  Source: Bullets generated by AI with editorial review

Cotribute, a digital customer acquisition platform provider for credit unions, launched three new AI agents for credit unions in collaboration with the core provider Corelation on Wednesday.
The credit union fintech integrated its new agentic AI tools into Corelation’s Keystone API, and the agents are available to any of the 240 credit unions that are clients of the core provider. The partnership also allows Corelation-powered credit unions to deploy Cotribute’s new AI agents without replacing existing origination systems.

“This is a great example of two progressive platforms coming together to deliver real value,” said Tim Maron, chief revenue officer at Corelation. “By integrating Cotribute’s AI growth agents with our Keystone API, we’re giving credit unions the ability to grow faster and smarter without disruption, and that’s exactly what they’re asking for.” 

Cotribute’s three newly launched AI-powered growth agents are each built for acquisition, cross-selling and relationship growth. 

“We’re proud to deepen our collaboration with Corelation and bring this joint innovation to life,” said Cotribute CEO Philip Paul. “Credit unions don’t want to rip out their existing tools, they want intelligent growth layered on top.” 

Research from American Banker’s 2025 Data-Driven Bank Survey found that credit unions are expecting AI to impact their customer experience strategies but haven’t yet implemented it themselves. Forty-six percent of credit unions surveyed anticipate that AI will have a considerable impact on customer experience, but essentially every credit union surveyed had either not piloted AI in their systems at all or had only done so on a small scale.

Two credit unions, Credit Union 1 and Nutmeg State Financial Credit Union, are current clients of both Corelation and Cotribute and are poised to test the newly released AI agents.

“We’re always looking for innovative ways to serve our members better,” said Nutmeg State FCU CEO John Holt. “The combination of Cotribute’s digital origination and AI capabilities with Corelation’s flexible core has enabled us to modernize our experience while staying true to our mission.”