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

PenFed

penfed.org

Credit unionsBanking

Money20/20 attendee

Statement period
October 9, 2026
when the AI assistants were asked
Account no.
615 of 2,219
its rank by overall score
Place in its category
29th of 85 credit unions
Closing balance

Named in

10of 60 answers

by 4 of 4 assistants

Statement note

What this means for PenFed

AI assistants name this credit union in 16.7% of answers, while the typical company in its sector is not named at all. Its overall score is 35 out of 100, ranking 615th of 2,219. The website passes 3 of 14 technical checks measuring how ready it is for AI tools.

We asked 15 unbranded questions about its market, so no question mentioned PenFed by name. AI assistants named it in 10 of the 60 answers. Counting only how often it is named, it ranks 40th of 394 in its sector. The typical banking company is named in 0.0% of answers.

Overall score
35Overall score
  • Visibility22
  • Citations2
  • Sentiment50
  • Site quality93
  • AI readiness21
Summary of account
Named by AI in
16.7%
10 of 60 answers
Share of mentions
35.7%
of the mentions of it and its 5 peers
AI readiness
3/14
technical checks passed. Typical for its sector: 3
Rank in its sector
92 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

PenFed came up on 5 of 15 questions. Open any window to read that answer.

  1. 01What are the best credit unions for low mortgage rates in the US?3/4
  2. 02How do interest rates for auto loans at credit unions compare to national averages?0/4
  3. 03Which banking institutions offer top-rated checking and savings accounts for families?1/4
  4. 04Alternatives to credit union mortgages for first-time homebuyers in the US0/4
  5. 05Are credit union credit cards a good choice for cash back rewards?0/4
  6. 06What are some options besides credit union credit cards for earning rewards?0/4
  7. 07Which credit unions offer the highest yields on premium online savings accounts?3/4
  8. 08Is it worth switching to a credit union for auto loan financing?0/4
  9. 09What’s the best way for families to save for retirement using credit union products?0/4
  10. 10Savings certificates vs regular savings accounts at credit unions—how do they compare?0/4
  11. 11How can military members benefit from using credit union VA loans?2/4
  12. 12Credit union banking services vs traditional bank services for home loans—what are the key differences?0/4
  13. 13How do I resolve issues accessing my credit union online banking account?0/4
  14. 14Why was my application for a credit union personal loan declined?0/4
  15. 15What are typical fees for checking accounts at credit unions in the US?1/4
Total namedOpenAI: 4/15Claude: 2/15Perplexity: 3/15Gemini: 1/15All assistants: 10/60
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

“What are the best credit unions for low mortgage rates in the US?”

The best credit unions to check for low U.S. mortgage rates are PenFed, Navy Federal, Connexus, Alliant, and First Tech. Actual pricing depends on credit score, loan type, down payment, property, location, and whether you pay discount points, so compare personalized APR quotes rather than advertised rates.

Credit union · Best for · Key consideration

PenFed Credit Union · Broad national availability and competitive rates · Mortgage products may be less extensive than those of larger banks.

Navy Federal Credit Union · Military members, veterans, and el …

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.

Share of mentions

CompanyShare
  1. PenFed
    35.7%
  2. Navy Federal Credit Union
    28.6%
  3. Alliant Credit Union
    28.6%
  4. BECU (Boeing Employees Credit Union)
    7.1%
  5. SchoolsFirst Federal Credit Union
    0.0%
  6. America First 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
    bankrate.com
    35
  2. 02
    nerdwallet.com
    14
  3. 03
    cnbc.com
    12
  4. 04
    finance.yahoo.com
    11
  5. 05
    navyfederal.org
    11
  6. 06
    experian.com
    9
  7. 07
    kiplinger.com
    9
  8. 08
    consumerfinance.gov
    8
  9. 09
    penfed.org (its own website)
    8
  10. 10
    forbes.com
    7

PenFed is in the study as a credit union.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

OpenAI
4/15
Perplexity
3/15
Claude
2/15
Gemini
1/15
Market comparisonSection 06

How PenFed 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
22

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

Citations
2

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

Sentiment
50

How positively AI describes the company

Site quality
93

How well built the website's own pages are

AI readiness
21

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
35
Ranks 92 of 394. Typical company: 28
Named in answers
16.7%
Ranks 40 of 394. Typical company: 0.0%
AI readiness
21
Ranks 199 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
35
Ranks 29 of 85. Typical company: 31
Named in answers
16.7%
Ranks 7 of 85. Typical company: 3.3%
AI readiness
21
Ranks 35 of 85. Typical company: 21
AI readinessSection 09

The checks behind the AI readiness score

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

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%
  • 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%
AI crawlersSection 10

What AI crawlers may read (robots.txt)

This website sets no rules for any AI crawler by name, like 86% of the websites whose rules we could read. Every AI crawler follows its general rules.

Training AI

  • GPTBotpartly
  • ClaudeBotpartly
  • Anthropic-AIpartly
  • Google-Extendedpartly
  • Applebot-Extendedpartly
  • Meta-ExternalAgentpartly
  • FacebookBotpartly
  • Bytespiderpartly
  • CCBotpartly
  • Diffbotpartly
  • Omgilibotpartly

AI search

  • OAI-SearchBotpartly
  • Claude-SearchBotpartly
  • PerplexityBotpartly
  • Applebotpartly
  • Amazonbotpartly
  • YouBotpartly

Answering questions

  • ChatGPT-Userpartly
  • Claude-Userpartly
  • Perplexity-Userpartly
  • 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 11

Share this result

Overall score 35 of 100 badge for PenFed

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/penfed.org"><img src="https://aeo-audit.rezolve.com/finance/badges/penfed.org.svg" alt="Overall score 35 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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