# How VyStar Credit Union uses Zest AI

**64%**: “automating 64% of all consumer credit decisions”

As published on [zest.ai](https://www.zest.ai/customer-stories/vystar-credit-union). Captured by usedby on 2026-10-24.

- Company: [VyStar Credit Union](https://www.usedby.ai/companies/vystar-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 VyStar Credit Union deploys Zest AI

VyStar uses Zest AI's Model Management System to build a credit card model that improves risk assessment, and integrates it into its loan origination system to automate and speed up consumer credit decisions.

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

> With Zest AI, they have been able to provide a faster, better experience for their members, resulting in automating 64% of all consumer credit decisions.

- **22%**: “This increased confidence in raising thresholds for auto-approvals, resulted in a 22% increase in portfolio approvals while holding risk constant.”
- **$40 million**: “According to estimates, this represents $40 million in new credit VyStar is now able to offer current and potential new members.”

> What really excites us is the opportunity to offer instant decisions, better pricing, and personalized service to our members through our partnership with Zest.
>
> Jenny Vipperman, Former Chief Lending Officer

Source: [zest.ai](https://www.zest.ai/customer-stories/vystar-credit-union), 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
- [Clark County Credit Union](https://www.usedby.ai/companies/clark-county-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

## What usedby checked

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

- Checked: the figure 64% is printed word for word on the page, near the name of VyStar Credit Union.
- Checked: the passage quoted above is copied word for word from the page, near the name of VyStar Credit Union.
- Checked: VyStar 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/vystar-credit-union-zest · How we check: https://www.usedby.ai/methodology