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Non-Brokered CD Marketplace

Better liquidity management — on both sides of the balance sheet.

The QwickRate® CD Marketplace is now part of OptimaFI. Trusted by thousands of institutions for more than 40 years, it continues to serve as the industry’s leading non-brokered funding and investing network for community banks and credit unions.

  • Connect directly to 2,500+ institutions
  • Eliminate transaction fees and rate stripping
  • Manage your cost of funds with integrated rate-setting tools
  • Automate rate monitoring, accruals, and month-end reporting

You’re one step away from a personalized CD Marketplace demo.

ICBA Preferred Service ProviderICBA Preferred Service ProviderICBA Preferred Service ProviderICBA Preferred Service ProviderICBA Preferred Service ProviderICBA Preferred Service ProviderICBA Preferred Service Provider

The ONLY non-brokered funding source selected as a Preferred Service Provider of The Independent Community Bankers of America® (ICBA).

Commercial State BankCommercial State BankCommercial State BankCommercial State BankCommercial State BankCommercial State BankCommercial State Bank

“A satisfied customer since 1997, we find the CD Marketplace to be an excellent, user-friendly, up-to-date, reliable, and quick source for non-brokered funds.”

Michael Frei

President & CEO
Commercial State Bank

“We’ve used OptimaFI for over 10 years because they make investing easy, and we get 30–40 bps more than going through a broker. We renewed for another 10 years due to their customer service. No one else comes close!”

Mark T. Fraker

CEO
Chattanooga Federal Employees CU

Legends BankLegends BankLegends BankLegends BankLegends BankLegends BankLegends Bank

“A great source for meeting our primary and contingency funding needs. We can go one place to efficiently reach thousands of institutions.”

Lee Pedigo

Executive VP & CFO
Legends Bank

A more reliable, cost-efficient way for community institutions to manage liquidity.

Our non-brokered CD Marketplace gives you an easy way to raise or deploy funds without broker fees or rate stripping. That means stronger earning potential, plus more control, more flexibility, and fewer surprises — whether you’re raising money or deploying it.

Ready source
of deposits

Direct access to institutional funding when liquidity tightens.

Higher yields
on CDs

Earn more without paying broker fees or intermediaries.

Diversified
funding

Meet examiner expectations for diversified primary and contingency funding sources.

Lower cost
of funds

Direct pricing avoids broker markups and rate stripping, without cannibalization of local market core deposits

Easy
to start

Solve liquidity needs fast with no heavy IT lift. We import your current portfolio for you.

ICBA
preferred

Vetted and approved by ICBA as a Preferred Service Provider for community banks.

OptimaFI is the industry’s premier source for non-brokered funding and investing.

OptimaFI’s CD Marketplace — formerly QwickRate® CD Marketplace — has had your best interests online for over 40 years. We still provide community banks and credit unions with time-saving solutions that are heavy on value, light on budgets.

$10B+

deposit funding enabled annually through CD Marketplace

2,500+

CD marketplace subscribers

93%

subscription renewal rate

Tap into real balance-sheet expertise.

Maximize the value of your Marketplace activity with direct support from experts who’ve managed liquidity, funding, and balance sheets inside community banks and credit unions.

Our team helps you evaluate options, interpret market conditions, structure maturities, and stay aligned with examiner expectations. Get peace of mind with well-supported decisions backed by 200+ years of combined experience.

Strengthen your funding strategy with flexible deposit options.

OptimaFI gives you a reliable, non-brokered source of funding that helps you manage earnings pressure, duration needs, and balance sheet demands, without relying on local repricing.

  • Access a consistent pipeline of non-brokered deposits from institutions nationwide
  • Satisfy regulatory expectations for funding diversification
  • Add a dependable contingency funding source to support liquidity planning
  • Avoid frequent repricing of stable, local deposits

Automate month-end accruals, confirmations, and reporting.

Save hours of prep time every quarter via automated month-end accruals, activity tracking, audit-friendly confirmations, and integrated reporting.

  • Less staff time required for deposit operations
  • Cleaner documentation for auditors and examiners
  • Reduced risk of manual errors
  • Better visibility into current positions and maturities

Meet your immediate liquidity needs or talk to a specialist to learn more.

Book a Demo Talk to a Specialist
  • Unlimited customer service
  • No transaction fees
  • No rate stripping

FAQs

Will the CD Marketplace work for a small community bank?

Yes. The non-brokered CD Marketplace is built specifically for community banks and mid-size institutions that want direct, broker-free access to funding and investing opportunities. It’s intentionally designed to be affordable and practical for smaller teams that need reliable liquidity options without large-bank complexity.

How do I know transactions and data within the Marketplace are accurate and up to date?

All posted rates, offerings, and institution information within the non-brokered CD Marketplace are based on real-time listings from participating banks and credit unions. Institutions update their own postings, and we maintain the platform to ensure offers and rates are current and actionable.

Are there hidden costs or additional fees for using the Marketplace?

No. Our non-brokered CD Marketplace is a straightforward, cost-effective subscription. You 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.

Will regulators accept funding transactions completed through the Marketplace?

Yes. The non-brokered CD Marketplace enables direct institution-to-institution funding, which is treated as non-brokered for regulatory purposes because no third-party broker handles or negotiates the deposit. This structure aligns with regulatory expectations for non-brokered funding.

What happened to QwickRate® CD Marketplace?

QwickRate is now part of OptimaFI. You can still access the full QwickRate family of services, including non-brokered CD Marketplace access, QwickAnalytics, and IntelliCredit — just under a different name. As OptimaFI, we continue to innovate and expand our services to help community banks and credit unions grow households and balances, sustain growth and manage risk, and optimize profits through widely varying economic cycles.