# How Clark County Credit Union uses Zest AI

**39%**: “automated approval rates of 35% for auto loans, 32% for personal loans, and 39% for credit cards”

As published on [zest.ai](https://www.zest.ai/customer-stories/clark-county-cu). Captured by usedby on 2026-10-24.

- Company: [Clark County Credit Union](https://www.usedby.ai/companies/clark-county-credit-union.md)
- Tool: [Zest AI](https://www.usedby.ai/tools/zest.md)
- Industry: [Banking & Mortgages](https://www.usedby.ai/companies/industry/banking-mortgages.md)
- Teams: Lending

## The use case: how Clark County Credit Union deploys Zest AI

Create Credit Union uses Zest AI's credit underwriting to automate loan decisioning, restoring automation that was shut off during the pandemic. It is working with Zest to tune policy and remove guardrails so it can lend deeper into middle and lower credit tiers.

Summary written by usedby from the source page, in English. The figures are those of Zest AI and Clark County Credit Union, not ours.

> Create Credit Union surpassed their pre-pandemic automation levels, reaching 35% for auto loans, 32% for personal loans, and 39% for credit cards, with a clear path toward automating 80% of all decisioning.

- **80%**: “Create Credit Union is incrementally working towards automating 80% of their decisioning with Zest AI.”

> Zest AI's integration and onboarding experience was phenomenal, bar none. Create Credit Union loved working with the customer success team — Zest worked hands on with us to align our strategic goals up with the machine learning model outputs, and we're excited to continue down this road together.
>
> Josh Haldeman, Chief Lending Officer

Source: [zest.ai](https://www.zest.ai/customer-stories/clark-county-cu), captured 2026-10-24.

## Zest AI users in Banking & Mortgages

- [All In Credit Union](https://www.usedby.ai/companies/all-in-credit-union.md) — Confirmed
- [Altra Federal Credit Union](https://www.usedby.ai/companies/altra-federal-credit-union.md) — Confirmed
- [Commonwealth Credit Union](https://www.usedby.ai/companies/commonwealth-credit-union.md) — Confirmed
- [Community Choice Credit Union](https://www.usedby.ai/companies/community-choice-credit-union.md) — Confirmed
- [Credit Union West](https://www.usedby.ai/companies/credit-union-west.md) — Confirmed
- [Desert Valleys FCU](https://www.usedby.ai/companies/desert-valleys-fcu.md) — Confirmed

## What usedby checked

We compared the story with its live page on 2026-10-24.

- Checked: the figure 39% is printed word for word on the page, near the name of Clark County Credit Union.
- Checked: the passage quoted above is copied word for word from the page, near the name of Clark County Credit Union.
- Checked: Clark County Credit Union uses Zest AI. Confirmed line. Latest check across sources: 2026-10-24.
- Not checked: the result itself. We quote it; we did not measure it.

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Source: https://www.usedby.ai/case-studies/create-credit-union-zest · How we check: https://www.usedby.ai/methodology