Scienaptic AI, a global leader in AI powered credit decisioning technology, announced today that APG Federal Credit Union (APGFCU) has gone live on its AI platform. This deployment is automating the credit union’s lending operations, delivering faster loan decisions, and responsibly expanding fair access to credit for its members. Importantly, all these advancements have been achieved while ensuring fairness, inclusivity, and compliance with regulatory standards, which are integral to the Scienaptic AI platform.
APGFCU traces its roots to 1938, when a group of local workers came together to address the savings and borrowing needs of military families at Aberdeen Proving Ground. Today, headquartered in Edgewood, Maryland, the growing credit union manages over $2.6 billion in assets and serves more than 190000 members who live, work, worship, volunteer, or attend school in Maryland’s Harford, Cecil, and Baltimore counties, as well as Baltimore City. As a not-for-profit cooperative, it reinvests its earnings into member value through better rates, lower fees, and personalized financial guidance, guided by a mission to deeply enrich its community—both financially and personally.
“Our mission has always been to put members in control of their own financial future. This starts with giving members timely, fair credit when they need it most, while delivering a seamless experience that builds trust, strengthens relationships, and supports their financial goals,” said Robyn Mannone, Chief Consumer Lending Officer at APGFCU. “Scienaptic AI gives our lending team the ability to see a member’s complete financial picture. That means greater consistency in our decisions, more opportunity to say yes, and a better experience for members who count on us to understand their individual circumstances. We’re excited about what this enables us to do at the scale of our membership, while preserving the personal connection that has always been central to APGFCU.”
“APGFCU has spent nearly nine decades building financial stability for families across Harford, Cecil, and Baltimore counties, and Baltimore City,” said Courtney Mrsny, Chief Customer Officer at Scienaptic AI. “Scienaptic AI is enabling the credit union to automate routine decisions, manage risk with greater precision, expand access to credit responsibly, while keeping people at the heart of every decision.”
About Scienaptic AI
Scienaptic AI was founded in 2014, built with the mission to drive financial inclusion at scale through AI-driven credit decisioning. The platform encapsulates a decade of technological innovation, integrating more data into decision-making, leveraging advanced machine learning algorithms, and supplementing them with rigorous risk and fair lending monitoring processes. This enables financial institutions to reach more borrowers- including underbanked and underserved individuals and say “Yes” more often without increasing risk. Scienaptic’s latest innovation, iCUE (Intelligent Credit Underwriting Experience), integrates large language models and agentic AI into the credit decisioning platform, combining predictive intelligence with conversational capability to put humans back at the center of lending.
In September 2024, Scienaptic’s Credit Union Service Organization (CUSO) received strategic equity investments from its clients, further strengthening its mission to elevate lending with AI- driven solutions for inclusive loan growth, automation, lifecycle management, and compliance. Today, the CUSO is backed by 17 strategic investors, underscoring Scienaptic’s deep commitment to the core principle of ‘people helping people’. The Scienaptic AI platform plays a vital role in supporting over 150 lenders by enhancing lending accuracy and efficiency.
Scienaptic’s credit decisioning expertise spans financial institutions collectively managing $4 trillion+ in assets. The platform has powered decisions for over $160 billion in loans. It processes over 3 million credit decisions each month, evaluating loan applications worth more than $4 billion. This enables over 1.7 million underserved individuals every month to access credit opportunities that were previously out of reach. Driven by the growing demand for AI in lending, the company has expanded by over 2,000% in the past three years.
Scienaptic has been recognized among the most innovative and fastest-growing companies in financial technology. The company was named to the Deloitte Technology Fast 500 list for 2025 and was included in the CB Insights Fintech 100 list of the most promising fintech companies shaping the future of financial services.
For more information, visit www.scienaptic.ai
About APGFCU
APG Federal Credit Union is a member-owned, not-for-profit financial cooperative committed to building strong families for a stronger community. Founded in 1938, APGFCU holds $2.6 billion in assets and serves more than 190,000 members with a full range of financial products and services.
View source version on businesswire.com: https://www.businesswire.com/news/home/20261019413948/en/
Media gallery
