Bay Federal Credit Union AI Score

AI Score: 3 of 5 stars, AI connected to internal credit-union data

An AI system works on the credit union's own data: a member-facing assistant answering from its accounts or knowledge base, AI analytics or personalisation on member data, machine-learning fraud detection on its transactions.

Bay Federal Credit Union's own website offers members a named virtual assistant, "Marina," for general banking questions, and the site loads the Glia digital customer service platform that hosts such assistants. There is no public evidence of AI making decisions inside loan, collections or contact-centre processes, or of AI agents taking actions.

• Bay Federal Credit Union website loads glia.com bayfed.com · 2026-09-22 · website scan
  “The site loads a script from glia.com (digital customer service with AI)”
• Bay Federal Credit Union website bayfed.com · 2026-09-22 · website scan
  “For general banking questions, feel free to chat with Marina, our Virtual Assistant !”

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech for communication / chat, other fintech, online membership application, online loan application, online account opening, online loan payments, bill payment, account aggregation, e-signature, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.