Industry’s First Outbound

AI Voice Agent for Credit Unions

Your MSRs can’t call every member. AviaryAI’s outbound AI voice agents reach the ones who need you most, from collections and loan servicing to new member onboarding and proactive engagement. Purpose-built for credit unions. CUSO-backed. Live in 14 days.

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The Outbound Problem Credit Unions Can’t Solve With More Staff

Your credit union contact center is stretched thin and delinquency volumes are climbing. Members expect proactive communication: a reminder before a payment is late, a welcome call when they open an account, someone reaching out before they need to call you.
The Misguided Focus 
On Inbound Traffic
Most credit union AI solutions focus on inbound. Chatbots that answer questions when members reach out. That helps, but it ignores a bigger problem: the thousands of outbound calls your credit union call center should be making but can’t.
A Proactive AI Service Team
AviaryAI is the first AI voice agent platform built specifically for outbound member engagement in credit unions. Not a chatbot. Not an IVR. A proactive AI service team that works alongside your staff, calling members, having natural two-way conversations, and handling real tasks: collecting promise-to-pay commitments, activating new cards, scheduling branch appointments.

Built From Within the Cooperative, 
Not Outside It

AviaryAI didn’t start in Silicon Valley and wander into financial services. Our CEO, Blesson Abraham, spent 15+ years inside credit unions, including five years at BCU, before founding SavvyIntel (acquired by TruStage in 2017). He built AviaryAI because he lived the problem: too many members to reach, not enough hours in the day.

That experience shapes every decision we make, from how our AI handles sensitive collections conversations to how we navigate compliance requirements that generic AI companies don’t understand. AviaryAI is credit union technology built from the inside out.

Blesson Abraham

AviaryAI is structured as a CUSO (Credit Union Service Organization), backed by strategic credit union investors including Skyla Credit Union, Envisant, Encurage Financial Network, and BCU. This CUSO technology model means we’re not a vendor selling to credit unions. We’re part of the cooperative network.

2M+
Calls Made
42%
Contact Rate
27%
Call Success Rate
S22
Y Combinator
S22 Backed
CUSO
Structure With 
Credit Union Investors

Compliance & Security Built In

AviaryAI runs on private LLMs purpose-built for regulated financial services. Every outbound call meets full TCPA compliance and FDCPA compliance standards, is Reg F compliant for collections, fully logged with complete audit trails, and SOC 2 Type II certified. Our TCPA compliant dialer technology is built into the platform. Your compliance team can review any call, any time.

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Blesson Abraham

USE CASES

One Platform, Every Outbound Use Case Your Credit Union Needs

AviaryAI’s AI voice agents handle the high-volume, time-sensitive outbound calls your team can’t get to. Each use case is purpose-built with credit union-specific conversation flows, compliance guardrails, and core system integrations.

Collections & Delinquency Management

Blesson Abraham
Recover More, Earlier. Your Collections Team Focuses on Complex Accounts.
Members who are 15 or 30 days past due are far more likely to pay when contacted promptly. But most credit union collections teams are buried in backlog and can only reach severely delinquent accounts. Credit union delinquency rates climb when early stage collections outreach falls behind.
AviaryAI’s AI voice agents support your first-party collections outreach at scale. The AI calls members with past-due accounts, has a natural conversation, and secures promise-to-pay commitments while maintaining the empathetic tone your credit union is known for. AI collections that works alongside your team, not instead of them.
How It Works
Your core system flags delinquent accounts. AviaryAI places outbound calls at optimal times, confirms identity, discusses the past-due amount, offers payment options, and records promise-to-pay commitments. Everything is logged with a full audit trail. Accounts needing human judgment route to your collectors with full context. This debt collection AI approach ensures nothing falls through the cracks.
What Credit Unions Gain?
  • Higher right party contact rates through intelligent call timing and retry logic
  • Consistent, compliant collections conversations on every call
  • Early-stage collections intervention that reduces roll rates and charge-offs
  • Collections automation that handles volume so your team can focus on complex, high-balance accounts
  • Full FDCPA compliance, Reg F, and TCPA compliance built into every interaction

Loan Servicing & Payment Reminders

Proactive Payment Reminders That Actually Prevent Delinquency
The best collections strategy is preventing delinquency in the first place. AviaryAI’s AI voice agents call members before their loan payment is due with a proactive loan payment reminder that dramatically reduces late payments and the operational cost of chasing them.

Beyond reminders, AI loan servicing calls handle routine loan-related communications at scale: escrow notices, rate adjustment notifications, document follow-ups, and missing auto title reminders. This loan servicing automation extends your team’s capacity for routine calls so they can focus on complex member needs.
Proactive Payment Reminders That Actually Prevent Delinquency
  • Automated loan payment reminders that reduce first-payment defaults
  • Proactive communication members actually appreciate
  • Scalable loan servicing automation that extends your team’s reach
  • Follow-up calls for missing documents, incomplete applications, and pending actions
Blesson Abraham

New Member Onboarding

Blesson Abraham
Make Every New Member Feel Like Your Only Member
The first 90 days determine whether a new member becomes a lifelong relationship or a dormant account. Most credit unions don’t have bandwidth to make personal welcome calls to every new member.

AviaryAI’s AI voice agents support your onboarding process by calling every new member within days of new account onboarding, welcoming them to the credit union, walking them through key credit union member services, answering common questions, and identifying cross-sell opportunities. AI customer onboarding that complements your team’s personal touch.
What Credit Unions Gain?
  • Consistent new member onboarding experience for every member
  • Natural, conversational welcome calls that feel personal
  • Early product adoption through relevant service recommendations
  • New account onboarding that identifies upsell and cross-sell opportunities from day one
  • Higher engagement and lower dormancy rates in the critical first 90 days

Member Engagement & Dormant Account Reactivation

Proactive Outreach That Strengthens Relationships and Reactivates Revenue
Credit unions talk about credit union member engagement constantly, but proactive customer contact at scale has always been aspirational. You know which members haven’t logged in, haven’t used their debit card, or haven’t visited a branch in months. You just can’t call them all.

AviaryAI makes proactive engagement operational. Our AI voice agents reach out to dormant members, inactive accounts, and underengaged segments with personalized messages: checking in, offering relevant services, and re-establishing the relationship before members quietly leave.
What Credit Unions Gain?
  • Dormant account reactivation campaigns that run continuously, not just once a quarter
  • Proactive credit union member engagement that builds loyalty and deepens wallet share
  • Customer engagement AI that identifies at-risk members and routes them to your team
  • Scalable outreach that turns your member data into actual conversations
Blesson Abraham

Card Activation

Blesson Abraham
Activate More Cards, Faster
Unactivated cards are lost revenue. Every day a new credit or debit card sits in a drawer, your credit union misses interchange income. AviaryAI’s AI voice agents call members with unactivated cards, walk them through activation, and make sure they start using their card immediately.
What Credit Unions Gain?
  • Higher card activation rates through timely, persistent outbound calls
  • Faster time-to-activation and faster interchange revenue
  • Natural conversations that address member questions on the spot

Appointment Scheduling

Fill Branch Calendars While Your Team 
Focuses on In-Person Service
Whether it’s a mortgage consultation, a financial review, or a new membership appointment, AI appointment booking by phone converts better than email links. AviaryAI’s AI voice agents call members to schedule, confirm, and remind them about upcoming appointments, reducing no-shows and keeping your branch teams productive.
What Credit Unions Gain?
  • AI-powered appointment booking and confirmation calls
  • Automated appointment reminder calls that reduce no-show rates
  • Scheduling automation that integrates with your branch calendar systems
Blesson Abraham

Cross-Sell & Product Recommendations

Blesson Abraham
The Consultative Call Your Members Deserve 
(at Scale)
Your data tells you which members qualify for a HELOC, an auto refinance, or a certificate upgrade. The problem is turning that insight into a conversation. AviaryAI’s AI voice agents make personalized outbound calls based on member profiles, presenting relevant product recommendations in a natural, consultative conversation. When a member expresses interest, the call routes to your team for the deeper conversation.
What Credit Unions Gain?
  • Data-driven cross-sell outreach at scale
  • Product recommendation calls that feel helpful, not pushy
  • Qualified warm handoffs to your team for interested members
  • Higher conversion rates than email or direct mail campaigns

Not Another Chatbot. Not Another IVR. An Outbound AI Service Team.

Most AI solutions for credit unions, and most credit union software in this category, 
focus on answering inbound calls. AviaryAI is fundamentally different.

Ultra Realistic AI Calls
Deliver clear, personalized member communication that feels natural and builds trust.
Automated Scheduling
Set up call backs, branch visits or consultations without manual intervention.
Human-in-the-Loop Workflows
Notifies staff via Teams for approvals, warm transfers or special cases.
Instant Answers for Your Team
Clear AI summarized responses to staff questions when they need them.

AviaryAI is structured as a CUSO (Credit Union Service Organization), backed by strategic credit union investors including Skyla Credit Union, Envisant, Encurage Financial Network, and BCU. This CUSO technology model means we’re not a vendor selling to credit unions. We’re part of the cooperative network.

From Kickoff to Live Calls in 14 Days

STEP
1
Connect

We integrate with your core system (Symitar, Corelation, Fiserv, etc.) and configure call rules based on your use cases, compliance requirements, and brand voice.

STEP
2
Configure

Our team builds your AI voice agent’s conversation flows, tailored to your credit union’s language, policies, and member expectations. You review, approve, and refine.

STEP
3
Launch

Your AI voice agents start making outbound calls alongside your team. Every interaction is logged, tracked, and measurable from day one.

STEP
4
Optimize

We continuously analyze call performance, contact rates, and outcomes, refining conversation flows and timing to improve results month over month.

FAQ

Frequently Asked Questions

What exactly is an AI voice agent?

Software that makes and receives phone calls using natural, human-like voice technology powered by large language models. Unlike an IVR or robocall, AviaryAI’s voice agents have dynamic, two-way conversations: they listen, respond, answer questions, and complete tasks like collecting payments or booking appointments.

How is AviaryAI different from a chatbot or virtual assistant?

Chatbots handle text-based inbound conversations. AviaryAI is outbound-first: we proactively call your members to handle collections, onboarding, engagement, loan servicing, and more. It’s the difference between waiting for a member to ask for help and reaching out before they need to.

Is this compliant with TCPA regulations?

Yes. TCPA compliance is built into AviaryAI’s core platform, including consent management, calling time restrictions, DNC list compliance, and proper caller identification via our TCPA compliant dialer. We also maintain full FDCPA compliance and Reg F compliance for collections, and hold SOC 2 Type II certification.

Will members know they’re talking to AI?

AviaryAI’s voice agents use ultra-realistic voice technology. Your credit union decides the disclosure approach based on your compliance and brand preferences. Members respond positively to proactive outreach regardless of whether the caller is human or AI.

What systems does AviaryAI integrate with?

Major credit union core systems including Symitar (Jack Henry), Corelation, Fiserv, and others. We also connect with your CRM, collections platforms, and operational systems.

How long does implementation take?

Most credit unions go live within 14 days. AviaryAI handles technical integration and conversation design. Your IT team’s involvement is minimal.

What happens when the AI can’t handle a conversation?

Calls transfer seamlessly to your human agents with full context. The member doesn’t re-explain anything. AviaryAI handles routine, high-volume calls so your team focuses on conversations that need a human touch.

How does AviaryAI handle collections conversations?

Collections calls follow a structured flow: identity verification, account status discussion, payment option presentation, and promise-to-pay capture. The AI adapts based on the member’s responses with an empathetic, professional tone. Every call meets FDCPA compliance, Reg F, and TCPA compliance standards.

What does credit union automation look like with AviaryAI?

AviaryAI augments your team’s outbound capacity: high-volume collections calls, payment reminders, welcome calls, card activation, appointment scheduling, and member engagement outreach. The AI handles the conversations; your staff focus on complex member needs. Credit union automation that amplifies your team.

How do you measure success?

Detailed reporting on contact rates, right party contact rates, call success rates (payments collected, appointments booked, cards activated), conversation quality, and compliance metrics. Clear ROI from day one.

What is a CUSO and why does it matter?

A CUSO (Credit Union Service Organization) is a company owned or invested in by credit unions. AviaryAI’s CUSO structure, with investment from Skyla, Envisant, Encurage, and BCU, means we’re built within the cooperative ecosystem with aligned incentives.

How does AviaryAI compare to other credit union software?

Most credit union software in the AI category focuses on inbound: chatbots and virtual assistants. AviaryAI is the only platform built specifically for outbound AI voice calls in credit unions, with a CUSO structure and compliance architecture designed for the cooperative environment.

People Helping People, At Scale

Your members deserve proactive communication. Your team deserves technology that amplifies their impact. AviaryAI brings both together with AI voice agents built by credit union people, backed by credit union investors, and proven across 2 million+ calls.

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