Pricing and plans
Two products, priced separately.
OptimaYield sells Deposits tools to community bank CFOs, treasurers, and ALCO analysts, and a research terminal to individual analysts and teams researching the broader industry. Each has its own pricing below.
Jump to Deposits tools or Research terminal.
Deposits tools
Straightforward pricing for deposit risk intelligence.
Every tier carries the same evidence standard as the rest of this catalog: source, period, and formula behind every figure. Annual plans get two months free. Institutions under $250M in assets qualify for Watch at $500 per month, ask us when you talk to sales.
No credit card is required for the Free Report. Watch, Advisor, and Franchise are in founding access: reach out and we will set up billing together, there is no automatic charge.
Start here
Free Report
$0 one-time
The Deposit Gap Report, sent once, no card required.
- Deposit cost and beta vs. 25 peers
- Competitors that moved rates in your counties
- Projected runoff after a 50 bp move, in dollars
- What AI engines say about your rates
Ongoing monitoring
Watch
$1,000 per month
Everything in Free Report, refreshed continuously, plus alerts.
- Cost and beta, refreshed each filing period
- Rate Watch alerts for your counties
- Email and Slack or Teams delivery
- One institution
Full toolkit
Advisor
$2,000 per month
Everything in Watch, plus pricing recommendations and ALCO memo drafts.
- Rate Advisor: Defend, Match, or Lead
- One-click draft ALCO memo
- Maturity Wall
- Yield Durability
Multi-institution
Franchise
from $2,500 per month
Everything in Advisor, rolled up across a holding company or branch network.
- Multiple institutions under one roof-up view
- Visibility across all covered institutions
- Priority support
- Custom onboarding
Vendor and research access
Screens, prospects, and exports
Vendors, consultants, and investors researching the broader industry, not one institution’s own deposit book, use OptimaYield differently: custom screens, prospect lists, and bulk exports across the full covered universe. This access is priced separately from the Deposits tiers above.
Talk to us about vendor access →Research terminal
Public facts stay free. Paid value starts with recurring work.
Founding professional access is planned through August 31, 2027. There is no automatic charge, countdown pricing, or credit-card requirement. We will publish final commercial terms before access changes.
Plan selection never changes a bank's ranking, metric formula, severity, evidence eligibility, or editorial conclusion.
Always free
Public research
Open bank facts, history, definitions, evidence, and browser-local watchlists.
- Public bank factsCurrent condition, regulatory facts, and source lineage
- Core historyTen-year trends and compatible peer context
- Definitions and methodologyMetric formulas, limitations, and evidence rules
- Local watchlistsBrowser-local saved banks without an account
- Custom peer workflowsReusable cohorts and governed comparisons
- Larger governed exportsExpanded row limits with manifests and citations
- Scheduled reportsReviewed change-only reports and delivery history
- Team workspacePrivate collaboration, assignments, and audit controls
- Advanced API quotaScoped keys, usage controls, and commercial support
- Commercial redistributionContracted rights and attribution terms
Founding access
Professional
Recurring analyst workflows for individual professionals and design partners.
- Public bank factsCurrent condition, regulatory facts, and source lineage
- Core historyTen-year trends and compatible peer context
- Definitions and methodologyMetric formulas, limitations, and evidence rules
- Local watchlistsBrowser-local saved banks without an account
- Custom peer workflowsReusable cohorts and governed comparisons
- Larger governed exportsExpanded row limits with manifests and citations
- Scheduled reportsReviewed change-only reports and delivery history
- Team workspacePrivate collaboration, assignments, and audit controls
- Advanced API quotaScoped keys, usage controls, and commercial support
- Commercial redistributionContracted rights and attribution terms
Contracted
Enterprise
Private teams, administration, redistribution rights, and governed integrations.
- Public bank factsCurrent condition, regulatory facts, and source lineage
- Core historyTen-year trends and compatible peer context
- Definitions and methodologyMetric formulas, limitations, and evidence rules
- Local watchlistsBrowser-local saved banks without an account
- Custom peer workflowsReusable cohorts and governed comparisons
- Larger governed exportsExpanded row limits with manifests and citations
- Scheduled reportsReviewed change-only reports and delivery history
- Team workspacePrivate collaboration, assignments, and audit controls
- Advanced API quotaScoped keys, usage controls, and commercial support
- Commercial redistributionContracted rights and attribution terms
Founding-year terms
Professional capabilities may be made available to invited design partners during the founding period. Availability is not a promise of permanent free service, and no account will be converted into a paid plan without affirmative agreement.
Large exports, scheduled delivery, private collaboration, advanced API access, and redistribution stay disabled until the required identity, storage, delivery, licensing, and isolation controls are configured.