# First Tech Federal Credit Union

**Canonical:** https://apis.io/providers/first-tech-federal/  
**Website:** https://www.firsttechfed.com/  
**APIs profiled:** 0

First Tech Federal Credit Union is a federally chartered, member-owned, not-for-profit financial cooperative headquartered in San Jose, California, and one of the largest credit unions in the United States. It was founded to serve employees of the technology industry and their families, and its membership is drawn heavily from workers at major technology employers. As an NCUA-insured credit union, First Tech offers consumer and business deposit accounts, lending, mortgages, credit cards, and wealth services delivered primarily through its website and mobile apps. Like the vast majority of US credit unions, First Tech publishes no first-party public developer portal or documented open API; consumer-permissioned financial data sharing is handled through third-party data aggregators (such as Plaid, MX, Finicity, and Akoya) rather than a directly documented first-party API surface. US open finance is voluntary and fragmented — the Financial Data Exchange (FDX) standard and the CFPB Section 1033 Personal Financial Data Rights rule are still emerging — and no first-party FDX-conformant data-access API or published Section 1033 posture was found for First Tech during this review.

## Kin Score — 6.7 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 6.7).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 3.6 |
| Commercial Clarity | 17.1 |
| Access Clarity | 17.1 |

Regulatory layer — **Banking & Open Finance**: 10.1 (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)

- **First Tech Federal Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

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

---

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