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Heritage Valley Federal Credit Union Goes Live With Scienaptic's AI-Powered Credit Decisioning Platform

AI Decisioning is projected to increase loan approvals and speed and automation of decisions

Incorporating AI into Strategic Roadmaps Of Credit Unions



Sep 7, 2023

Leading global AI-powered credit decision platform provider, Scienaptic AI, announced today that Heritage Valley Federal Credit Union is now live on its AI-powered platform. By integrating the AI platform with Heritage Valley Federal Credit Union's Loan Origination System (LOS), MeridianLink Consumer, the credit union can now make faster and more comprehensive credit decisions. This has resulted in an increased number of loan approvals and a significant enhancement of the overall member experience.

Established in 1935 in York, Pennsylvania, Heritage Valley Federal Credit Union (HVFCU) has since grown to $112 M in assets serving over 13,000 members across the state. For decades the credit union has been serving the PA local community by providing low-cost banking services, competitive loan products, and financial education to our members. HVFCU offers a variety of services, including checking and savings accounts, loans, mortgages, and credit cards. The credit union also places a strong emphasis on financial education and offers resources and tools to help members manage their money and make informed financial decisions.

"Helping people financially is what we do here at Heritage Valley, and we would not have it any other way,” Jeremey Sterner, VP of IT at Heritage Valley FCU. “Offering competitive loan products has been our hallmark since our inception and by implementing Scienaptic's platform, we have elevated our services even further. This platform is a game-changer for credit unions and their members, making credit decisions efficient and hassle-free. We are now making regulatory compliant loan decisions within seconds, increasing credit access to our underserved members and creating a memorable credit experience for our community.”

"We are thrilled to announce the successful implementation of our AI platform at Heritage Valley Federal Credit Union, revolutionizing their loan decision process and elevating their members' experience," stated Pankaj Jain, Cofounder and President of Scienaptic AI. "This achievement reaffirms our belief that credit unions, regardless of their size, can harness the power of AI to stay ahead. By automating credit decisions, facilitating increased loan approvals, assisting underserved members, and managing risk simultaneously, our platform is empowering the credit union to achieve remarkable outcomes."

About Scienaptic AI

Scienaptic AI’s mission is to increase credit availability across the globe by transforming the technology used in credit decisioning. Credit unions, auto lenders, banks, and fintechs, use Scienaptic's AI native credit decisioning platform to continually improve the quality and speed of their underwriting decisions.

The platform enables FIs to reach more borrowers, including underbanked and underserved individuals, and say “yes” more often without increasing risk. It democratizes automated AI-powered lending while addressing all regulatory requirements, including Fair Lending and explainable adverse actions.

Scienaptic-enabled lenders have processed more than 300 million transactions, benefitting millions of borrowers. For more information, visit

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