Of 60 answers

The most named companies in the study, and S&P 500 financials, with how many of their 60 AI answers named them.

SWIFT47/60TRANSUNION46/60EXPERIAN42/60COINSTAR41/60NAVY FEDERAL CREDIT UNION41/60ZELLE41/60BLOOMBERG L.P.38/60TRADINGVIEW38/60BANCO POPULAR DE PUERTO RICO37/60PAYPAL37/60VENMO37/60CHEXSYSTEMS33/60EQUIFAX33/60MORNINGSTAR32/60S&P GLOBAL31/60ALPACA MARKETS30/60COINBASE30/60PINWHEEL29/60STRIPE29/60XERO29/60ACORNS28/60AFFIRM28/60PAYFAST (PAYGATE)28/60PAYONEER28/60INTERACTIVE BROKERS26/60CHARLES SCHWAB19/60THE HARTFORD9/60MOODY'S21/60CME GROUP19/60ACCENTURE11/60CHUBB10/60MORGAN STANLEY6/60AMERICAN EXPRESS14/60SYNCHRONY FINANCIAL12/60FACTSET20/60NASDAQ19/60ALLSTATE11/60WELLS FARGO18/60PAYCHEX10/60ARES MANAGEMENT3/60
Rezolve Ai
MethodDemo
Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder

APG Federal Credit Union

apgfcu.com

Credit unionsBanking

Money20/20 attendee

Statement period
October 9 and 10, 2026
when the AI assistants were asked
Account no.
1,737 of 2,219
its rank by overall score
Place in its category
66th of 85 credit unions
Closing balance

Named in

1of 60 answers

by 1 of 4 assistants

Statement note

What this means for APG Federal Credit Union

AI assistants rarely name this credit union, doing so in 1 of 60 answers, with SECU Maryland and Freedom Federal Credit Union named in the same answer. Its overall score is 25 out of 100, ranking it 1,737th of 2,219 companies studied. The website passes 2 of 14 technical checks for AI tool readiness.

We asked 15 unbranded questions about its market, so no question mentioned APG Federal Credit Union by name. AI assistants named it in 1 of the 60 answers. Counting only how often it is named, it ranks 156th of 394 in its sector. The typical banking company is named in 0.0% of answers.

Named fewer than three times in total. Read this as a sign that AI assistants rarely bring this company up, not as an exact comparison with its peers.

Overall score
25Overall score
  • Visibility5
  • Citations0
  • Sentiment50
  • Site quality73
  • AI readiness14
Summary of account
Named by AI in
1.7%
1 of 60 answers
Share of mentions
20.0%
of the mentions of it and its 5 peers
AI readiness
2/14
technical checks passed. Typical for its sector: 3
Rank in its sector
294 of 394
by overall score, where the typical banking company scores 28

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Line itemsSection 01

Every question, and where the company came up

APG Federal Credit Union came up on 1 of 15 questions. Open any window to read that answer.

  1. 01Typical fees for checking accounts at US credit unions0/4
  2. 02Best checking account options for small businesses at Maryland credit unions0/4
  3. 03What financial services do Maryland credit unions offer to members?0/4
  4. 04What are other options for small business banking besides local credit unions?0/4
  5. 05What are the benefits of joining a local credit union for personal banking in Maryland?0/4
  6. 06Are credit union mortgage rates competitive in the current Maryland market?0/4
  7. 07Which type of loan from a credit union is best for first-time car buyers?0/4
  8. 08How can business owners use credit union financial education resources to manage cash flow?0/4
  9. 09Should I consider a credit union money market account for emergency savings?0/4
  10. 10Is it worth opening a youth savings account at a Maryland credit union?1/4
  11. 11How do credit union savings account rates compare to online banks in the US?0/4
  12. 12What should you do if your credit union's online banking login is not working?0/4
  13. 13How can small businesses resolve issues with mobile deposit at a Maryland credit union?0/4
  14. 14Alternatives to credit union certificates for earning higher interest on savings0/4
  15. 15Credit unions vs traditional banks for auto loans – what are the main differences?0/4
Total namedOpenAI: 0/15Claude: 0/15Perplexity: 1/15Gemini: 0/15All assistants: 1/60
named the companyanswered without naming itdid not answer

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. Across the study, on 50% of the questions where a company is named, only one AI assistant names it.

Transaction detailSection 02

What Perplexity actually said

An answer that names the company

Perplexitynamed the company

“Is it worth opening a youth savings account at a Maryland credit union?”

… 5. Bonus conditions: For example, APGFCU’s $50 bonus requires at least $5 to open and maintain the account, and the bonus must remain for 90 days.

Bottom line: Open one if the goal is teaching saving and the account is fee-free with easy access. If the goal is maximizing interest, compare it with a high-yield savings account or a youth certificate; some Maryland credit unions advertise certificates paying substantially more than ordinary youth savings.

The AI’s answer as we received it, shortened and not checked for accuracy.

PayeesSection 03

Where the mentions went

The companies these answers named, and how the mentions were split between this company and its peers.

Also named

CompanyTimes named
  1. 01
    SECU Maryland
    2
  2. 02
    Freedom Federal Credit Union
    1

Share of mentions

CompanyShare
  1. SECU Maryland
    60.0%
  2. APG Federal Credit Union
    20.0%
  3. Freedom Federal Credit Union
    20.0%
  4. Aberdeen Proving Ground Federal Credit Union (AACFCU)
    0.0%
  5. Harford Bank
    0.0%
  6. Har-co Credit Union
    0.0%
ReferrersSection 04

Websites the AI used as sources

How many times each website was listed as a source in these answers

  1. 01
    secumd.org
    26
  2. 02
    bankrate.com
    13
  3. 03
    experian.com
    9
  4. 04
    labor.maryland.gov
    8
  5. 05
    pbcu.com
    7
  6. 06
    monitorbankrates.com
    6
  7. 07
    cnbc.com
    5
  8. 08
    finance.yahoo.com
    5
  9. 09
    consumerfinance.gov
    5
  10. 10
    nerdwallet.com
    5

APG Federal Credit Union is in the study as a credit union.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Perplexity
1/15
Claude
0/15
Gemini
0/15
OpenAI
0/15
Market comparisonSection 06

How APG Federal Credit Union compares with all 2,219 companies

Every tower is a company in the study, taller for a higher overall score and lit where AI assistants named it. Its own group stays lit. Hover a tower to see it, and click to open it.

What makes up the score

Each part is scored out of 100.

Visibility
5

How often AI assistants name the company, and how that compares with its peers

Citations
0

How often AI uses the company's own website as a source

Sentiment
50

How positively AI describes the company

Site quality
73

How well built the website's own pages are

AI readiness
14

How easily AI tools can read and use the website

Visibility is calculated from the answers on this page. How the score is built.

Against its sectorSection 07

Compared with banking companies

394 companies in this sector. The gold tick on each bar is the typical company.

Overall score
25
Ranks 294 of 394. Typical company: 28
Named in answers
1.7%
Ranks 156 of 394. Typical company: 0.0%
AI readiness
14
Ranks 335 of 394. Typical company: 29
Against its categorySection 08

Compared with credit unions

85 companies in this category. The gold tick on each bar is the typical company.

Overall score
25
Ranks 66 of 85. Typical company: 31
Named in answers
1.7%
Ranks 46 of 85. Typical company: 3.3%
AI readiness
14
Ranks 74 of 85. Typical company: 21
AI agentsSection 09

Ready for AI agents

What this website publishes for an AI agent to read, use and pay through, on a scale of six levels.

  1. 0
  2. 1
  3. 2
  4. 3
  5. 4
  6. 5

Level 0: Not yet agent-ready. Agents struggle to find basic information about the site.

To reach level 1:
  • 2 of robots.txt, Sitemap, Link headers
Can an AI agent check out here?

Not by itself. APG Federal Credit Union publishes none of the agent payment protocols we look for. An agent would have to click through the website like a person.

Agent payment protocols
  • x402Not present
  • MPPNot present
  • AP2Not present
  • ACPNot present
  • UCPNot present
Interfaces for AI agents
  • MCP Server CardNot present
  • A2A Agent CardNot present
  • Agent SkillsNot present
  • API CatalogNot present
  • llms.txtNot present
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
31 of 100
  • robots.txtNot met

    Publish a valid robots.txt with crawl rules and a Sitemap line.

    study: 86.1%
  • SitemapPartly met

    Serve an XML sitemap and reference it from robots.txt.

    study: 87.9%
  • Link headersNot met

    Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.

    study: 1.5%
  • DNS for AI DiscoveryNot present

    Advertise agent endpoints with SVCB records under _agents.

    study: 4.3%
Content accessibility
0 of 100
  • Markdown negotiationNot met

    Return a markdown version when asked with Accept: text/markdown, for example at the CDN.

    study: 6.2%
  • llms.txtNot met

    Publish an llms.txt with a short summary and the key links.

    study: 31.0%
Bot access control
0 of 100
  • AI bot rulesNot met

    Add explicit robots.txt groups for the main AI crawlers.

    study: 92.7%
  • Content SignalsNot met

    Add a Content-Signal line for search, ai-input and ai-train to robots.txt.

    study: 2.3%
  • Web Bot AuthNot present

    Only relevant if you run your own agents or crawlers: publish a signing key directory.

    study: 0.3%
APIs, auth and MCP
0 of 100
  • API CatalogNot met

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 1.3%
  • OAuth discoveryNot met

    Publish OpenID Connect or OAuth server metadata under /.well-known.

    study: 6.3%
  • OAuth Protected ResourceNot met

    Serve protected resource metadata at /.well-known/oauth-protected-resource.

    study: 5.3%
  • auth.mdNot met

    Publish an auth.md describing how agents sign in.

    study: 0.2%
  • MCP Server CardNot met

    Offer an MCP server and publish its server card under /.well-known.

    study: 0.8%
  • A2A Agent CardNot met

    Publish an agent card at /.well-known/agent-card.json.

    study: 0.2%
  • Agent SkillsNot met

    Publish a skills index with the main tasks agents can do.

    study: 1.0%
  • WebMCPCould not check

    Register key actions such as search or cart as WebMCP tools.

    study: 0.0%
  • ARD manifestNot met

    Publish an ai-catalog.json listing every agent interface.

    study: 0.2%

Score 7 of 100 · 97% of checks could run · checked on October 9, 2026 · www.apgfcu.com · 2,200 companies scanned

See how every company did, and how this was measured.

AI readinessSection 10

The checks behind the AI readiness score

2 of 14 passed. This list is for your technical team. The percentage is how many companies in the study pass each check.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Show the 14 checks

Discoverability

  • Not metrobots.txt publishedstudy: 85.1%
  • PassedXML sitemapstudy: 79.4%
  • Not metHTTP Link headers (RFC 8288)study: 42.5%

Content Accessibility

  • Not metMarkdown content negotiationstudy: 7.4%
  • Not metllms.txt publishedstudy: 28.1%
  • PassedToken budget (page weight)study: 97.3%

Bot Access Control

  • Not metExplicit AI bot rulesstudy: 11.5%

API / Auth / MCP

  • Not metAPI Catalog (.well-known/api-catalog)study: 1.1%
  • Not metOAuth Authorization Server discoverystudy: 5.2%
  • Not metOAuth Protected Resource discoverystudy: 4.6%
  • Not metMCP Server Cardstudy: 0.2%
  • Not metA2A Agent Cardstudy: 0.0%
  • Not metWebMCP toolsstudy: 0.3%
  • Not metAgent Skills declaredstudy: 0.1%
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End of statement
All 2,219 companiesHow we measured this
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