Mountain America Credit Union

Mountain America Credit Union (MACU) is a federally chartered, member-owned not-for-profit financial cooperative headquartered in Sandy, Utah, founded in 1936 and regulated and insured by the National Credit Union Administration (NCUA). It is one of the largest credit unions in the United States, with roughly $21.9 billion in assets, more than 1.4 million members, and over 100 branches serving Utah, Idaho, Montana, Nevada, and Arizona, offering consumer and business checking, savings, mortgages, auto loans, credit cards, and wealth services. Like the vast majority of US credit unions, Mountain America exposes no public first-party developer API or developer portal: there is no developer.macu.com or api.macu.com host, and every path under macu.com returns the same client-rendered application shell. Consumer-permissioned data access is intermediated through its core banking provider and data aggregators (Plaid, MX, Finicity, Akoya) rather than a directly published API. US open finance is voluntary and fragmented, and no public FDX participation or CFPB Section 1033 data-access posture is documented for this institution at the time of review.

Mountain America Credit Union is profiled on the APIs.io network. Tagged areas include Financial Services, Banking, United States, Credit Union, and Consumer Banking.

🌐 Visit website 📡 Source on GitHub
7.7/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
0 APIs
Financial ServicesBankingUnited StatesCredit UnionConsumer BankingOpen FinanceData Aggregation

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 7.7/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 0.0 / 20
Commercial Clarity 0.0 / 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/mountain-america: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Security Posture 1

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

Mountain America Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity

Company 2

The organization behind the API

Website
Website
 LinkedIn
LinkedIn

Source (apis.yml)

apis.yml Raw ↑ 
aid: mountain-america
url: https://raw.githubusercontent.com/api-evangelist/mountain-america/refs/heads/main/apis.yml
name: Mountain America Credit Union
kind: company
description: 'Mountain America Credit Union (MACU) is a federally chartered, member-owned not-for-profit financial cooperative
  headquartered in Sandy, Utah, founded in 1936 and regulated and insured by the National Credit Union Administration (NCUA).
  It is one of the largest credit unions in the United States, with roughly $21.9 billion in assets, more than 1.4 million
  members, and over 100 branches serving Utah, Idaho, Montana, Nevada, and Arizona, offering consumer and business checking,
  savings, mortgages, auto loans, credit cards, and wealth services. Like the vast majority of US credit unions, Mountain
  America exposes no public first-party developer API or developer portal: there is no developer.macu.com or api.macu.com
  host, and every path under macu.com returns the same client-rendered application shell. Consumer-permissioned data access
  is intermediated through its core banking provider and data aggregators (Plaid, MX, Finicity, Akoya) rather than a directly
  published API. US open finance is voluntary and fragmented, and no public FDX participation or CFPB Section 1033 data-access
  posture is documented for this institution at the time of review.'
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- United States
- Credit Union
- Consumer Banking
- Open Finance
- Data Aggregation
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis: []
common:
- type: DomainSecurity
  url: security/mountain-america-domain-security.yml
- type: Website
  url: https://www.macu.com/
- type: LinkedIn
  url: https://www.linkedin.com/company/mountain-america-credit-union
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com