Mountain America Credit Union website screenshot

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
1.5/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0
0 APIs
Financial-ServicesBankingUnited StatesCredit UnionConsumer BankingOpen FinanceData Aggregation

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0
Composite quality — 1.5/100 · 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 4.3 / 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/mountain-america: 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.

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.'
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  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
- United States
- Credit Union
- Consumer Banking
- Open Finance
- Data Aggregation
tags_raw:
- Financial Services
- Banking
- United States
- Credit Union
- Consumer Banking
- Open Finance
- Data Aggregation
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
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

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