# connectFirst Credit Union

**Canonical:** https://apis.io/providers/connect-first-credit-union/  
**Website:** https://www.connectfirstcu.com/  
**APIs profiled:** 0

connectFirst Credit Union is a member-owned, cooperative (Schedule-equivalent provincial credit union) financial institution headquartered in Calgary, Alberta, formed on May 3, 2021 by amalgamating four Alberta credit unions (First Calgary Financial, Chinook Financial, Mountain View Financial, and Legacy Financial). At its peak it held over CAD $6 billion in assets under administration and served more than 128,000 members across 41 branches in Central and Southern Alberta, offering retail, commercial, agricultural, and dealer-services banking. Members voted in November 2023 to merge with Servus Credit Union; the legal amalgamation closed May 1, 2024 as "Connect First and Servus Credit Union Ltd." (~CAD $29.3B assets, 600,000+ members), and the unified brand realigned to Servus Credit Union in January 2025 — the connectfirstcu.com domain now 301-redirects to servus.ca. Its open-finance posture is honest and typical of a Canadian credit union: no first-party public developer portal or downloadable OpenAPI, digital banking delivered via the Celero Xpress platform (powered by ebankIT) with core/banking-tech through the Central 1 / Celero cooperative ecosystem, and third-party consumer data access available only through aggregators (Plaid coverage confirmed). Canada's federal Consumer-Driven Banking framework (Budget 2024 / FCAC-overseen) is legislated but not yet operational, so no mandated open-banking API exists.

## Kin Score — 16.0 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+1.1 from 14.9).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 14.3 |
| Commercial Clarity | 10.5 |
| Access Clarity | 10.5 |

Regulatory layer — **Banking & Open Finance**: 55.7 (matched via tags).

## Agent readiness — 8.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Security (2)

- **Connect First Credit Union Authentication** — 1 scheme
- **Connect First Credit Union Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Financial-Services, Banking, Canada, Credit Union, Alberta, Cooperative, Data Aggregation

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/connect-first-credit-union/). Scores are computed from the provider's own public artifacts under a published rubric.