Core Processing
OASys
by CUtopia
A purpose-built core processing platform for credit unions and cooperative financial institutions across the US and Caribbean — delivered hosted or in-house, with real-time interfaces and a completely flexible General Ledger. Trusted since 1995.
OASys
Core Platform
Account Support
Every account type your members need
OASys is developed specifically to support the full range of credit union account types — giving your institution a single, unified core to run on.
Shares
Standard share accounts with full dividend and balance management.
Share Drafts
Checking account processing with full draft and ACH support.
Loans
Consumer, mortgage, and commercial loan origination and servicing.
CD's
Certificate of deposit management with automated maturity handling.
Delivery Model
Your core, your way
Choose the deployment model that fits your institution's IT strategy — with full feature parity either way.
Hosted
CUtopia manages the infrastructure, security, backups, and uptime. Your team focuses on serving members — we handle the rest.
- Managed infrastructure
- Automatic updates
- Disaster recovery included
- Predictable monthly cost
In-House
Run OASys on your own hardware and infrastructure. Full control over your environment, data, and upgrade schedule.
- Full data sovereignty
- Custom hardware configuration
- On-site IT control
- Flexible upgrade timing
Real-Time Interfaces
Live connections to every channel
OASys maintains live, real-time connections to the channels your members and staff depend on every day — no batch delays, no stale data, no overnight windows.
Flexible General Ledger
A completely flexible GL supports full branch accounting — configurable chart of accounts, automated posting, and audit-ready reporting across your entire institution.
ATMs
Live transaction processing and real-time posting at every ATM terminal your members use.
Digital Banking
Real-time balance and transaction data powering mobile, online, and telephone banking channels.
Cash Recyclers
Instant posting and reconciliation for branch cash recyclers — no end-of-day batch required.
Back Office Tools
Direct integration with reconciliation and investment tracking — all drawing from the same live core data.
Why OASys
A core built for credit unions
Real-Time, Always
Every transaction posts instantly — no batch windows, no overnight delays. Members and staff always see accurate data.
Credit Union Native
OASys was built from the ground up for credit unions — not adapted from a bank system. Every feature reflects the cooperative model.
Flexible General Ledger
A fully configurable chart of accounts with automated posting and audit-ready reporting across your entire institution.
Proven Since 1995
Decades of credit union deployments across hosted and in-house environments — a track record you can rely on.
Certified Integrations
JHA Vendor Integration Certified
Jack Henry & Associates
Corelation KeyBridge Certified
Corelation, Inc.
Get Started
Ready to modernize your core?
Talk to our team about deploying OASys at your credit union — hosted or in-house, real-time, and built for the way credit unions work.