# Golden 1 Credit Union

**Canonical:** https://apis.io/providers/golden-1/  
**Website:** https://www.golden1.com/  
**APIs profiled:** 0

Golden 1 Credit Union is a state-chartered, member-owned not-for-profit financial cooperative headquartered in Sacramento, California, and is one of the largest credit unions in the United States, serving roughly 1.1 million members across California with approximately 20 billion dollars in assets. Founded in 1933 and open to all Californians, it offers consumer checking, savings, credit cards, auto and home loans, and digital banking, and holds the naming rights to Golden 1 Center in Sacramento. Like most US credit unions, Golden 1 publishes NO public developer portal and NO first-party public API; its digital banking runs on a core-provider platform, and consumer-permissioned account data is reachable only indirectly through third-party data aggregators (Plaid, MX, Finicity, Akoya) rather than a documented first-party open-finance API. US open finance is voluntary and fragmented, and this institution's public API surface is honestly empty as of this record.

## Kin Score — 1.5 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 1.5).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| 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)

- **Golden 1 Domain Security** — TLSv1.3 · DNSSEC · DMARC

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/golden-1/). Scores are computed from the provider's own public artifacts under a published rubric.