First Commerce 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.

First Commerce's own website describes "Penny," an AI virtual phone assistant available 24/7 that answers member questions including account balances and routing numbers. That is an AI assistant working on the credit union's own member data; no public evidence shows AI making decisions inside lending, collections or other workflows.

• First Commerce website firstcommercecu.org · 2026-09-22 · website scan
  “Penny, our AI virtual assistant, can help 24/7 (even on holidays)! Call 850.488.0035 or 1.800.533.5772 and she can answer questions such as account balances, routing number, hours”
• Help Center & Contact | First Commerce Credit Union firstcommercecu.org · August 29, 2022 · web search
  “Call Penny, our new AI virtual assistant, any time 24/7 at 850.488.0035 or 1.800.533.5772. She can answer general questions about your account.”
• Online & Mobile Banking | First Commerce Credit Union firstcommercecu.org · July 21, 2022 · web search
  “Powered by advanced artificial intelligence and natural language processing, Penny delivers fast, secure, and reliable assistance whenever you need it.”

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech auto lending, fintech mortgage lending, fintech P2P payments, 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.