No Hold Music. No Wait Times.
No Missed Calls.
Powered by Eltropy
Built with purpose. Here to handle queries. Ready in as little as 30 days.
Every credit union has its own identity, its own history, its own way of showing up for members. When they build an AI agent, they don’t deploy a generic tool. They create a personality that reflects who they are. A name their members can trust. A voice shaped by the community it serves. Meet the agents the credit unions have built – and the stories behind them.
Created by credit unions. Built with purpose. Here to handle queries — nothing more.
Carter
FEATURED — THE STORY BEHIND CARTER
60% contained. 97% handled. Carter dressed for the occasion.
Carter Credit Union didn’t launch an AI voice agent. They introduced a CarterCONCIERGE — complete with tuxedo, bow tie, and white gloves. Because Carter CU believes in smarter service and personal experience. On launch, 60% of sessions were fully contained and 97% of requests handled without escalation. A milestone in Carter CU’s “one vendor vision” — building their entire member experience with Eltropy.
“Smarter Service. Personal Experience.”
Carter Credit Union
Session containment
Request containment
Vendor vision
Sam
FEATURED — THE STORY BEHIND SAM
Bethany retired. Sam was hired. Nobody lost their job.
When Bethany — CUTX’s previous voice assistant — retired, Credit Union of Texas didn’t just find a replacement. They upgraded. Sam launched as Eltropy AI Voice 2.0, bringing next-level intelligence and a conversational style that members immediately responded to. From day one, he was handling balances, transfers, member number retrieval, and more — saving members an average of 15 minutes every call.
“He’s a total powerhouse, bringing next-level intelligence and a super smooth conversational style to our member phone lines.”
Credit Union of Texas
Penny
FEATURED — THE STORY BEHIND PENNY
She launched March 20th. Members loved her immediately.
Penny is Frontwave’s 24/7 AI assistant — built to handle balances, transactions, transfers, payments, and everyday banking questions without the hold music or long wait times. She’s available online and over the phone, any time of day. And she doesn’t just carry Eltropy’s technology. She carries Frontwave’s people-first service philosophy — the same one they’ve delivered since 1952.
“We didn’t just want an AI.
We wanted someone our members could trust.”
Frontwave Credit Union Marketing team
Iva
FEATURED — THE STORY BEHIND IVA
Most credit unions deploy AI. InTouch introduced a colleague.
InTouch Credit Union didn’t just configure an AI voice agent — they created a fully realized personality. Iva has a face, a name, a warmth, and InTouch’s own colors on her collar. From the moment she launched, members were authenticating, accessing their accounts, and retrieving balances in real time. Kristen and her team built something their members could actually feel.
“Most companies deploy AI.
We wanted our members to meet someone.”
InTouch Credit Union
Chip
FEATURED — THE STORY BEHIND CHIP
11 branches. One voice. Ready before the doors opened.
When Texans Credit Union launched Chip, they didn’t start small. Chip went live across 11 branches simultaneously — the largest branch deployment in Eltropy’s history — powered by a first-of-its-kind RingCentral and NICE call routing integration. The team monitored member interactions in real time as branches opened that morning. Chip handled every call.
“We didn’t want to ease into it.
We wanted Chip ready for every member, at every branch, from day one.”
Texans Credit Union
Ruth
FEATURED — THE STORY BEHIND RUTH
1,300 missed inquiries. Then Ruth arrived. Now it's 72.
TruStone Financial was handling 5,500 member conversations a week — up to 1,000 messages on Monday mornings alone. Ruth changed everything. In five months she handled 46% of all inquiries independently, cut call volume by 20%, and reduced wait times to 34 seconds. TruStone didn’t just build an AI. They built a neighbor.
“Hi there! I’m Ruth, your neighborly virtual assistant. I’m here to help with any general questions you have.”
Ruth, TruStone Financial
Call volume reduction
Inquiries handled
Member wait time
Coby
FEATURED — THE STORY BEHIND COBY
90% done. They pivoted. Coby was worth every minute.
When Cobalt Credit Union decided to pivot from AI Voice V1 to V2 — 90% of the way through — it could have meant months of delay. Instead, their implementation partner built a fully working bot over a single weekend so Cobalt could test by Tuesday. Coby launched as Eltropy’s first-ever generative AI voice agent. From day one, members were calling in, getting helped, and thanking Coby for his great customer service.
“Members are already thanking Coby for his great customer service.
On day one.”
Cobalt Credit Union
hese agents handle the routine – the balance checks, the payment confirmations, the after-hours calls, so the humans behind them can focus on what no AI will ever do: the conversation that changes someone’s life. The loan that opens a door. The moment a member feels truly seen. That’s what these agents were built for. That’s what Human x AI means.
These agents were created by credit unions, for their members. They handle the queries so your people can focus on what only humans can do — the moments that matter most.
Ashish Garg
Co-founder & CEO, Eltropy
