# Meridian Credit Union

**Canonical:** https://apis.io/providers/meridian-credit-union/  
**Website:** https://www.meridiancu.ca/  
**APIs profiled:** 0

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.

## Kin Score — 2.2 / 100 (minimal)

Scored 2026-08-21 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)

- **Meridian Credit Union Domain Security** — TLSv1.3 · DMARC

## Tags

Financial-Services, Banking, Canada, Credit Union, Cooperative, Ontario, Data Aggregation

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