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

2.2/100 minimal ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-08-21 · rubric v0.12.0

0 APIs

Financial-Services Banking United States Credit Union Consumer Banking Open Finance Data Aggregation

Kin Score

Kin Score How this is scored →
scored 2026-08-21 · rubric v0.12.0

Composite quality — 2.2/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.0 / 17

Access Clarity 0.0 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 1.1 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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

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/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.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-11'
  method: derived
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
tags_raw:
- Financial Services
- Banking
- United States
- Credit Union
- Consumer Banking
- Open Finance
- Data Aggregation
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
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

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