# Mountain America Credit Union

**Canonical:** https://apis.io/providers/mountain-america/  
**Website:** https://www.macu.com/  
**APIs profiled:** 0

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.

## Kin Score — 1.5 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 1.5).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| 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)

- **Mountain America Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Financial-Services, Banking, United States, Credit Union, Consumer Banking, Open Finance, Data Aggregation

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