Meridian Credit Union

Meridian Credit Union is Ontario's largest credit union and one of the largest in Canada — a member-owned financial cooperative headquartered in St. Catharines and Toronto, serving more than 365,000 members with roughly CAD $31 billion in assets under management, over 2,200 employees, and more than 75 years of history. Formed in 2005 through the merger of Niagara Credit Union and HEPCOE Credit Union, Meridian offers personal, business, and wealth banking and owns Meridian OneCap Credit Corp. (commercial equipment leasing and financing); it previously operated the federally chartered digital bank motusbank, which was wound down in 2023. As a provincially regulated Ontario credit union — overseen by the Financial Services Regulatory Authority of Ontario (FSRA), with member deposits insured under Ontario's credit-union deposit-insurance scheme — Meridian is a cooperative, not a Schedule I or Schedule II bank. It publishes no first-party public developer API and no downloadable OpenAPI specification. Consumer-permissioned account-data access today is aggregator-mediated rather than first-party: Plaid maintains a Meridian institution connector, and the Central 1 / Flinks Outbound seam provides API-based data sharing for member credit unions. Canada's federal Consumer-Driven Banking framework (legislated in 2024 with the Financial Consumer Agency of Canada / FCAC as overseer) is not yet operational, so Meridian's open-finance participation remains voluntary and aggregator-based.

Meridian Credit Union is profiled on the APIs.io network. Tagged areas include Financial Services, Banking, Canada, Credit Union, and Cooperative.

Meridian Credit Union’s developer surface includes support and 6 more developer resources.

🌐 Visit website 📡 Source on GitHub

14.6/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

Financial ServicesBankingCanadaCredit UnionCooperativeOntarioData Aggregation

Kin Score

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

Composite quality — 14.6/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 0.9 / 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/meridian-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 →

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

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

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 2

The organization behind the API

Website

Website

LinkedIn

Source (apis.yml)

aid: meridian-credit-union
url: https://raw.githubusercontent.com/api-evangelist/meridian-credit-union/refs/heads/main/apis.yml
name: Meridian Credit Union
kind: company
description: 'Meridian Credit Union is Ontario''s largest credit union and one of the largest in Canada — a member-owned financial
  cooperative headquartered in St. Catharines and Toronto, serving more than 365,000 members with roughly CAD $31 billion
  in assets under management, over 2,200 employees, and more than 75 years of history. Formed in 2005 through the merger of
  Niagara Credit Union and HEPCOE Credit Union, Meridian offers personal, business, and wealth banking and owns Meridian OneCap
  Credit Corp. (commercial equipment leasing and financing); it previously operated the federally chartered digital bank motusbank,
  which was wound down in 2023. As a provincially regulated Ontario credit union — overseen by the Financial Services Regulatory
  Authority of Ontario (FSRA), with member deposits insured under Ontario''s credit-union deposit-insurance scheme — Meridian
  is a cooperative, not a Schedule I or Schedule II bank. It publishes no first-party public developer API and no downloadable
  OpenAPI specification. Consumer-permissioned account-data access today is aggregator-mediated rather than first-party: Plaid
  maintains a Meridian institution connector, and the Central 1 / Flinks Outbound seam provides API-based data sharing for
  member credit unions. Canada''s federal Consumer-Driven Banking framework (legislated in 2024 with the Financial Consumer
  Agency of Canada / FCAC as overseer) is not yet operational, so Meridian''s open-finance participation remains voluntary
  and aggregator-based.'
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- Canada
- Credit Union
- Cooperative
- Ontario
- Data Aggregation
created: '2026-07-23'
modified: '2026-07-23T18:00:00Z'
specificationVersion: '0.19'
apis: []
common:
- type: DomainSecurity
  url: security/meridian-credit-union-domain-security.yml
- type: Website
  url: https://www.meridiancu.ca/
- type: LinkedIn
  url: https://www.linkedin.com/company/meridian-credit-union
- type: Support
  url: https://www.meridiancu.ca/contact-us
- type: PrivacyPolicy
  url: https://www.meridiancu.ca/about-meridian/privacy-and-security
- type: TermsOfService
  url: https://www.meridiancu.ca/about-meridian/legal/personal-membership-terms-and-conditions
- type: LLMsTxt
  url: llms/meridian-credit-union-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com