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

Heartland Credit Union

heartlandcu.org

Credit unionsBanking

Money20/20 attendee

Statement period
October 9 to 14, 2026
when the AI assistants were asked
Account no.
498 of 2,219
its rank by overall score
Place in its category
23rd of 85 credit unions
Closing balance

Named in

3of 60 answers

by 2 of 4 assistants

Statement note

What this means for Heartland Credit Union

AI assistants name this credit union in 5% of answers, more often than the typical company in its sector. It has an overall score of 37 out of 100, ranking 498th of 2,219 companies. Its website passes 5 out of 14 technical checks for readiness with AI tools.

We asked 15 unbranded questions about its market, so no question mentioned Heartland Credit Union by name. AI assistants named it in 3 of the 60 answers. Counting only how often it is named, it ranks 112th of 394 in its sector. The typical banking company is named in 0.0% of answers.

Overall score
37Overall score
  • Visibility8
  • Citations3
  • Sentiment75
  • Site quality93
  • AI readiness36
Summary of account
Named by AI in
5.0%
3 of 60 answers
Share of mentions
16.7%
of the mentions of it and its 5 peers
AI readiness
5/14
technical checks passed. Typical for its sector: 3
Rank in its sector
72 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

Heartland Credit Union came up on 2 of 15 questions. Open any window to read that answer.

  1. 01Alternatives to credit unions for rural business financing?0/4
  2. 02What are the best credit unions in Wisconsin for affordable home loans?2/4
  3. 03What financial products do credit unions offer for first-time home buyers in Wisconsin?0/4
  4. 04Are there fees associated with credit union checking accounts?0/4
  5. 05What are typical interest rates for credit union business loans in Wisconsin?1/4
  6. 06How can small businesses benefit from community lending services?0/4
  7. 07Are credit unions a good option for refinancing auto loans?0/4
  8. 08How do community-based lenders support local businesses in Wisconsin?0/4
  9. 09Best financial institutions in Wisconsin for community-focused services?0/4
  10. 10Credit unions vs banks: Which is better for agricultural loans in the Midwest?0/4
  11. 11How do local credit unions compare to online lenders for business loan rates?0/4
  12. 12Why might an application for a credit union home loan get declined?0/4
  13. 13What are some other ways to secure affordable agricultural loans besides local lenders?0/4
  14. 14Is it worth getting a mortgage from a Wisconsin-based credit union?0/4
  15. 15Common issues when applying for agriculture loans through local lenders?0/4
Total namedOpenAI: 0/15Claude: 2/15Perplexity: 0/15Gemini: 1/15All assistants: 3/60
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 Claude actually said

An answer that names the company

Claudenamed the company

“What are the best credit unions in Wisconsin for affordable home loans?”

… Heartland Credit Union - Heartland offers affordable mortgage loans with fast pre-approval, low down payment options, and competitive rates. They allow for little to no down payment, so you may be able to buy a home without a typical 20% down payment requirement.

UW Credit Union - They offer affordable lending options like WHEDA loans, HomeReady, Home Possible, and down payment assistance programs. UW Credit Union also offers home loans with low closing costs—if you find lower closing costs elsewhere, they'll match them or give you $500.

Capital Credit Union - Capital Credit Un …

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
    UW Credit Union
    6
  2. 02
    Summit Credit Union
    2
  3. 03
    Verve, a Credit Union
    1

Share of mentions

CompanyShare
  1. UW Credit Union
    55.6%
  2. Summit Credit Union
    22.2%
  3. Heartland Credit Union
    16.7%
  4. Verve, a Credit Union
    5.6%
  5. Dane County Credit Union
    0.0%
  6. Connexus 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
    uwcu.org
    17
  2. 02
    bankrate.com
    13
  3. 03
    crestmontcapital.com
    9
  4. 04
    nerdwallet.com
    8
  5. 05
    heartlandcu.org (its own website)
    7
  6. 06
    ecu.com
    5
  7. 07
    wisbank.com
    4
  8. 08
    congress.gov
    4
  9. 09
    fsa.usda.gov
    4
  10. 10
    cdfifund.gov
    3

Heartland 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

Claude
2/15
Gemini
1/15
OpenAI
0/15
Perplexity
0/15
Market comparisonSection 06

How Heartland 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
8

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

Citations
3

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

Sentiment
75

How positively AI describes the company

Site quality
93

How well built the website's own pages are

AI readiness
36

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
37
Ranks 72 of 394. Typical company: 28
Named in answers
5.0%
Ranks 112 of 394. Typical company: 0.0%
AI readiness
36
Ranks 29 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
37
Ranks 20 of 85. Typical company: 31
Named in answers
5.0%
Ranks 32 of 85. Typical company: 3.3%
AI readiness
36
Ranks 5 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 1: Basic web presence. Two of robots.txt, a sitemap and Link headers are in place.

To reach level 2:
  • Content Signals
Can an AI agent check out here?

Not by itself. Heartland 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.txtPublished
  • WebMCPCould not check

The website runs on WooCommerce.

Show every check, for your technical team
Discoverability
77 of 100
  • robots.txtPassed

    A valid robots.txt with crawl rules at the site root.

    study: 86.1%
  • SitemapPassed

    An XML sitemap listing the pages, ideally referenced 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
50 of 100
  • Markdown negotiationNot met

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

    study: 6.2%
  • llms.txtPassed

    An llms.txt that tells language models what the site offers.

    study: 31.0%
Bot access control
63 of 100
  • AI bot rulesPassed

    Explicit robots.txt rules for AI crawlers such as GPTBot, ClaudeBot and PerplexityBot.

    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 43 of 100 · 97% of checks could run · checked on October 9, 2026 · heartlandcu.org · 2,200 companies scanned

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

AI readinessSection 10

The checks behind the AI readiness score

5 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

  • Passedrobots.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%
  • Passedllms.txt publishedstudy: 28.1%
  • PassedToken budget (page weight)study: 97.3%

Bot Access Control

  • PassedExplicit 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%
AI crawlersSection 11

What AI crawlers may read (robots.txt)

This website sets rules for 14 AI crawlers by name. All others follow its general rules.

Training AI

  • GPTBot*allowed
  • ClaudeBot*allowed
  • Anthropic-AIpartly
  • Google-Extended*allowed
  • Applebot-Extended*allowed
  • Meta-ExternalAgentpartly
  • FacebookBotpartly
  • Bytespider*allowed
  • CCBot*allowed
  • Diffbotpartly
  • Omgilibotpartly

AI search

  • OAI-SearchBot*allowed
  • Claude-SearchBot*allowed
  • PerplexityBot*allowed
  • Applebotpartly
  • Amazonbot*allowed
  • YouBot*allowed

Answering questions

  • ChatGPT-User*allowed
  • Claude-User*allowed
  • Perplexity-User*allowed
  • DuckAssistBotpartly
  • MistralAI-Userpartly

Read from the website’s own rules file (robots.txt). An asterisk marks a crawler the file names. The rest follow its general rules. “Partly” means only some pages are blocked.

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ShareSection 12

Share this result

Overall score 37 of 100 badge for Heartland Credit Union

A badge of this result that you can show on your own website. Copy the code below.

<a href="https://aeo-audit.rezolve.com/us/finance/heartlandcu.org"><img src="https://aeo-audit.rezolve.com/finance/badges/heartlandcu.org.svg" alt="Overall score 37 of 100, Finance AI Visibility Study 2026" width="280" height="64"></a>
End of statement
All 2,219 companiesHow we measured this
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