The Atlantic FCU 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.

The credit union's own website advertises a named virtual assistant, "Thea," available 24/7 by phone, indicating a member-facing automated assistant tied to the credit union's service channel. No evidence was found of AI in lending, collections or other decision workflows.

• The Atlantic FCU website theatlanticfcu.com · 2026-09-22 · website scan
  “The Atlantic's virtual assistant, Thea, can be reached 24/7 at 908.245.1750 .”

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech mortgage lending, fintech P2P payments, online membership application, online loan application, online account opening, online loan payments, bill payment, 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.