Alterna Savings

Alterna Savings and Credit Union Limited is a member-owned financial cooperative (credit union) founded in 1908 as the Civil Service Savings and Loan Society, headquartered in Ottawa, Ontario and regulated provincially by the Financial Services Regulatory Authority of Ontario (FSRAO). It is one of Ontario's largest credit unions, serving roughly 217,000 members with about C$10.8 billion in assets across branches in Ontario, and operates the federally regulated direct-banking subsidiary Alterna Bank, one of Canada's earliest digital-first banks. Alterna offers personal and business banking, mortgages, lending, investments and insurance. Consistent with Canada's voluntary, not-yet-operational Consumer-Driven Banking framework (legislated in Budget 2024 / Fall Economic Statement 2024 with the FCAC as overseer), Alterna Savings exposes NO public first-party developer portal or documented API. Digital access is delivered through its online and mobile banking apps and the Interac e-Transfer consumer rail; any third-party data access today is aggregator/screen-scraping based rather than a first-party API. This is an identity-only record with an honest no-public-API posture.

Alterna Savings is profiled on the APIs.io network. Tagged areas include Financial-Services, Banking, Canada, Credit Union, and Cooperative.

Alterna Savings’ developer surface includes authentication, support, engineering blog, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub

15.4/100 emerging ▬ flat Agent 9/100 agent aware Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

0 APIs

Financial-ServicesBankingCanadaCredit UnionCooperativeConsumer-Driven BankingInteracData Aggregation

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 15.4/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 3.2 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 7.0 / 15

Agent readiness — 9/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/alterna-savings: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Scopes 1

OAuth scopes governing access to this provider's APIs.

Alterna Savings Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Resources

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Other 1

Properties that don't map to a standard resource type

OpenIDConnect

OpenIDConnect

Source (apis.yml)

aid: alterna-savings
url: https://raw.githubusercontent.com/api-evangelist/alterna-savings/refs/heads/main/apis.yml
name: Alterna Savings
kind: company
description: Alterna Savings and Credit Union Limited is a member-owned financial cooperative (credit union) founded in 1908
  as the Civil Service Savings and Loan Society, headquartered in Ottawa, Ontario and regulated provincially by the Financial
  Services Regulatory Authority of Ontario (FSRAO). It is one of Ontario's largest credit unions, serving roughly 217,000
  members with about C$10.8 billion in assets across branches in Ontario, and operates the federally regulated direct-banking
  subsidiary Alterna Bank, one of Canada's earliest digital-first banks. Alterna offers personal and business banking, mortgages,
  lending, investments and insurance. Consistent with Canada's voluntary, not-yet-operational Consumer-Driven Banking framework
  (legislated in Budget 2024 / Fall Economic Statement 2024 with the FCAC as overseer), Alterna Savings exposes NO public
  first-party developer portal or documented API. Digital access is delivered through its online and mobile banking apps and
  the Interac e-Transfer consumer rail; any third-party data access today is aggregator/screen-scraping based rather than
  a first-party API. This is an identity-only record with an honest no-public-API posture.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- Canada
- Credit Union
- Cooperative
- Consumer-Driven Banking
- Interac
- Data Aggregation
tags_raw:
- Financial Services
- Banking
- Canada
- Credit Union
- Cooperative
- Consumer-Driven Banking
- Interac
- Data Aggregation
created: '2026-07-23'
modified: '2026-07-23T18:00:00Z'
specificationVersion: '0.23'
apis: []
common:
- type: DomainSecurity
  url: security/alterna-savings-domain-security.yml
- type: WellKnown
  url: well-known/alterna-savings-well-known.yml
- type: Authentication
  url: authentication/alterna-savings-authentication.yml
- type: OpenIDConnect
  url: well-known/alterna-savings-openid-configuration.json
- type: OAuthScopes
  url: scopes/alterna-savings-scopes.yml
- type: Website
  url: https://www.alterna.ca/
- type: TermsOfService
  url: https://www.alterna.ca/en/legal
- type: PrivacyPolicy
  url: https://www.alterna.ca/en/privacy-and-security
- type: Support
  url: https://www.alterna.ca/en/about-us/contact-us
- type: Blog
  url: https://www.alterna.ca/en/personal/resource-centre/advice-for-life-blog
- type: LinkedIn
  url: https://www.linkedin.com/company/alternasavings
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com