Meridian Credit Union website screenshot

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
2.2/100 minimal ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0
0 APIs
Financial-ServicesBankingCanadaCredit UnionCooperativeOntarioData Aggregation

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0
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
Delegated User Identity 0 / 6
Protected Resource Metadata 0 / 5
Registration Without a Human 0 / 6
Agentic Commerce Well-Known Document 0 / 5
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.
Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.
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/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. 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. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Meridian Credit Union Domain Security

TLSv1.3 · DMARC

SECURITY

Resources

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
LinkedIn

Source (apis.yml)

apis.yml Raw ↑ 
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.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-09-02'
  method: derived
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
tags_raw:
- Financial Services
- Banking
- Canada
- Credit Union
- Cooperative
- Ontario
- Data Aggregation
created: '2026-07-23'
modified: '2026-07-23T18:00:00Z'
specificationVersion: '0.23'
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

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