# DCU (Digital Federal Credit Union)

**Canonical:** https://apis.io/providers/digital-federal-credit-union/  
**Website:** https://www.dcu.org  
**APIs profiled:** 0

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.

## Kin Score — 2.2 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 2.2).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 0.0 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Banking & Open Finance**: 7.6 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| 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 (1)

- **Digital Federal Credit Union Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

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

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