DCU (Digital Federal Credit Union)

Digital Federal Credit Union (DCU) is a not-for-profit, member-owned federal credit union headquartered in Marlborough, Massachusetts and regulated by the National Credit Union Administration (NCUA), with roughly 1.18 million members, 23 branches across Massachusetts and New Hampshire, and nationwide access via the Co-Op shared-branch and surcharge-free ATM networks. It offers consumer and business banking, lending, mortgages, credit cards, and investment services, and has recently merged with First Technology Federal Credit Union. Like most US credit unions, DCU publishes NO public first-party developer API, developer portal, or downloadable OpenAPI/Swagger specifications; consumer-permissioned account data is reached only indirectly through third-party aggregators (Plaid, MX, Finicity, Akoya) and its core banking provider, and there is no publicly documented FDX participation or CFPB Section 1033 data-access program. This is an honest identity-only record: no public API surface exists to catalog.

DCU (Digital Federal Credit Union) is profiled on the APIs.io network. Tagged areas include Financial Services, Banking, United States, Credit Union, and Consumer Banking.

DCU (Digital Federal Credit Union)’s developer surface includes support, engineering blog, and 5 more developer resources.

🌐 Visit website 📡 Source on GitHub

15.0/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

Financial ServicesBankingUnited StatesCredit UnionConsumer BankingOpen FinanceData Aggregation

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 15.0/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 1.3 / 20

Commercial Clarity 4.2 / 20

Operational Transparency 0.0 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 0 / 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

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/digital-federal-credit-union: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

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

Source (apis.yml)

aid: digital-federal-credit-union
url: https://raw.githubusercontent.com/api-evangelist/digital-federal-credit-union/refs/heads/main/apis.yml
name: DCU (Digital Federal Credit Union)
kind: company
description: 'Digital Federal Credit Union (DCU) is a not-for-profit, member-owned federal credit union headquartered in Marlborough,
  Massachusetts and regulated by the National Credit Union Administration (NCUA), with roughly 1.18 million members, 23 branches
  across Massachusetts and New Hampshire, and nationwide access via the Co-Op shared-branch and surcharge-free ATM networks.
  It offers consumer and business banking, lending, mortgages, credit cards, and investment services, and has recently merged
  with First Technology Federal Credit Union. Like most US credit unions, DCU publishes NO public first-party developer API,
  developer portal, or downloadable OpenAPI/Swagger specifications; consumer-permissioned account data is reached only indirectly
  through third-party aggregators (Plaid, MX, Finicity, Akoya) and its core banking provider, and there is no publicly documented
  FDX participation or CFPB Section 1033 data-access program. This is an honest identity-only record: no public API surface
  exists to catalog.'
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- United States
- Credit Union
- Consumer Banking
- Open Finance
- Data Aggregation
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis: []
common:
- type: DomainSecurity
  url: security/digital-federal-credit-union-domain-security.yml
- type: Website
  url: https://www.dcu.org
- type: TermsOfService
  url: https://www.dcu.org/dcu-support-center/terms-of-use.html
- type: PrivacyPolicy
  url: https://www.dcu.org/dcu-support-center/privacy-practices.html
- type: Support
  url: https://www.dcu.org/help.html
- type: Blog
  url: https://www.dcu.org/about/newsroom.html
- type: LinkedIn
  url: https://www.linkedin.com/company/dcu
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com