Navy Federal Credit Union

Navy Federal Credit Union is a federally chartered credit union headquartered in Vienna, Virginia, and the largest credit union in the world by both assets and membership, serving more than 14 million members across the armed forces, Department of Defense, veterans, and their families. As a not-for-profit, member-owned financial cooperative regulated by the National Credit Union Administration (NCUA), it offers deposit accounts, credit cards, auto and mortgage lending, and investment services. On the open-finance front, Navy Federal operates a genuine first-party developer program — the Navy Federal API Exchange at developer.navyfederal.org — that publishes a consumer- permissioned, open-banking-style API catalog of eight data-access products (account details, holders, statements, transactions, customer accounts, customer details, plus OAuth/API-management and an mTLS gateway-connectivity test). Access is partner-gated behind registration and a signed Data Access Agreement, secured with OAuth member consent and mutual-TLS whitelisting; no OpenAPI/Swagger is publicly downloadable pre-login. Navy Federal also exposes member-permissioned data through aggregators (Plaid, Envestnet | Yodlee via a 2021 data access agreement, Flinks) rather than solely direct first-party integration.

Navy Federal Credit Union publishes 8 APIs on the APIs.io network. Tagged areas include Financial Services, Banking, United States, Credit Union, and Open Finance.

Navy Federal Credit Union’s developer surface includes documentation, signup flow, support, API reference, engineering blog, authentication, and 14 more developer resources.

🌐 Visit website 📡 Source on GitHub
31.5/100 thin ▬ flat Agent 16/100 agent aware Full breakdown ↓
scored 2026-07-27 · rubric v0.5
8 APIs
Financial ServicesBankingUnited StatesCredit UnionOpen FinanceOpen BankingData AggregationPayments

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 31.5/100 · thin
Contract Quality 0.0 / 25
Developer Ergonomics 8.3 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 1.4 / 13
Governance 0.0 / 12
Discoverability 8.8 / 10
Agent readiness — 16/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 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 4 / 4
Consent & Bot Identity 3 / 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/navy-federal-credit-union: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 8

Individual APIs this provider publishes, each with its own machine-readable definition.

Account Details API

Details and summary information for member accounts, including name, status, activity dates, balances, and more. Part of Navy Federal's consumer- permissioned Open Banking API C...

Account Holders API

Information on account ownership and member relationships for consented member accounts. Part of Navy Federal's consumer-permissioned Open Banking API Catalog.

Account Statements API

Statements for accounts over a given period, including statement names and images with details. Part of Navy Federal's consumer-permissioned Open Banking API Catalog.

Account Transactions API

Transactions for accounts over a given period, including amounts, description, running balance, status, and more. Part of Navy Federal's consumer-permissioned Open Banking API C...

API Management API

Client registration and OAuth authentication management used to onboard third parties and obtain member consent tokens for the Open Banking API Catalog.

Customer Accounts API

Listing of consented member accounts with basic details. Part of Navy Federal's consumer-permissioned Open Banking API Catalog.

Customer Details API

Member information independent of accounts, including name, address, date of birth, IDs, and other personal information. Part of Navy Federal's consumer-permissioned Open Bankin...

Gateway Connectivity API

Connection test to the API platform providing a basic message response, used to prove out a working request over mTLS with whitelisting. Part of Navy Federal's Open Banking API ...

Scroll for all 8

Security Posture 3

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

Navy Federal Credit Union Authentication

oauth2/mutualTLS · 2 schemes

SECURITY

Navy Federal Credit Union Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Navy Federal Credit Union Vulnerability Disclosure

security.txt · contact published

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 SignUp
SignUp
 Login
Login

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt
 WellKnown
WellKnown

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance
Conformance

Access & Security 5

Authentication, authorization, and security posture

VulnerabilityDisclosure
VulnerabilityDisclosure
 DomainSecurity
DomainSecurity
 SecurityTxt
SecurityTxt
 Security
Security
 Authentication
Authentication

Operate 2

Status, limits, changes, and where to get help

Support
Support
 Support
Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 3

The organization behind the API

Website
Website
 LinkedIn
LinkedIn
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: navy-federal-credit-union
url: https://raw.githubusercontent.com/api-evangelist/navy-federal-credit-union/refs/heads/main/apis.yml
name: Navy Federal Credit Union
kind: company
description: Navy Federal Credit Union is a federally chartered credit union headquartered in Vienna, Virginia, and the largest
  credit union in the world by both assets and membership, serving more than 14 million members across the armed forces, Department
  of Defense, veterans, and their families. As a not-for-profit, member-owned financial cooperative regulated by the National
  Credit Union Administration (NCUA), it offers deposit accounts, credit cards, auto and mortgage lending, and investment
  services. On the open-finance front, Navy Federal operates a genuine first-party developer program — the Navy Federal API
  Exchange at developer.navyfederal.org — that publishes a consumer- permissioned, open-banking-style API catalog of eight
  data-access products (account details, holders, statements, transactions, customer accounts, customer details, plus OAuth/API-management
  and an mTLS gateway-connectivity test). Access is partner-gated behind registration and a signed Data Access Agreement,
  secured with OAuth member consent and mutual-TLS whitelisting; no OpenAPI/Swagger is publicly downloadable pre-login. Navy
  Federal also exposes member-permissioned data through aggregators (Plaid, Envestnet | Yodlee via a 2021 data access agreement,
  Flinks) rather than solely direct first-party integration.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- United States
- Credit Union
- Open Finance
- Open Banking
- Data Aggregation
- Payments
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: navy-federal-credit-union:account-details
  name: Account Details API
  description: Details and summary information for member accounts, including name, status, activity dates, balances, and
    more. Part of Navy Federal's consumer- permissioned Open Banking API Catalog; access is gated behind registration, a signed
    Data Access Agreement, OAuth member consent, and mTLS.
  humanURL: https://developer.navyfederal.org/open-banking-api-catalog.html
  tags:
  - Accounts
  - Balances
  properties:
  - type: Documentation
    url: https://developer.navyfederal.org/document-library.html
  - type: APIReference
    url: https://developer.navyfederal.org/open-banking-api-catalog.html
- aid: navy-federal-credit-union:account-holders
  name: Account Holders API
  description: Information on account ownership and member relationships for consented member accounts. Part of Navy Federal's
    consumer-permissioned Open Banking API Catalog.
  humanURL: https://developer.navyfederal.org/open-banking-api-catalog.html
  tags:
  - Accounts
  - Identity
  properties:
  - type: Documentation
    url: https://developer.navyfederal.org/document-library.html
  - type: APIReference
    url: https://developer.navyfederal.org/open-banking-api-catalog.html
- aid: navy-federal-credit-union:account-statements
  name: Account Statements API
  description: Statements for accounts over a given period, including statement names and images with details. Part of Navy
    Federal's consumer-permissioned Open Banking API Catalog.
  humanURL: https://developer.navyfederal.org/open-banking-api-catalog.html
  tags:
  - Accounts
  - Statements
  properties:
  - type: Documentation
    url: https://developer.navyfederal.org/document-library.html
  - type: APIReference
    url: https://developer.navyfederal.org/open-banking-api-catalog.html
- aid: navy-federal-credit-union:account-transactions
  name: Account Transactions API
  description: Transactions for accounts over a given period, including amounts, description, running balance, status, and
    more. Part of Navy Federal's consumer-permissioned Open Banking API Catalog.
  humanURL: https://developer.navyfederal.org/open-banking-api-catalog.html
  tags:
  - Accounts
  - Transactions
  properties:
  - type: Documentation
    url: https://developer.navyfederal.org/document-library.html
  - type: APIReference
    url: https://developer.navyfederal.org/open-banking-api-catalog.html
- aid: navy-federal-credit-union:api-management
  name: API Management API
  description: Client registration and OAuth authentication management used to onboard third parties and obtain member consent
    tokens for the Open Banking API Catalog.
  humanURL: https://developer.navyfederal.org/open-banking-api-catalog.html
  tags:
  - OAuth
  - Authentication
  properties:
  - type: Documentation
    url: https://developer.navyfederal.org/document-library.html
  - type: APIReference
    url: https://developer.navyfederal.org/open-banking-api-catalog.html
- aid: navy-federal-credit-union:customer-accounts
  name: Customer Accounts API
  description: Listing of consented member accounts with basic details. Part of Navy Federal's consumer-permissioned Open
    Banking API Catalog.
  humanURL: https://developer.navyfederal.org/open-banking-api-catalog.html
  tags:
  - Accounts
  - Customers
  properties:
  - type: Documentation
    url: https://developer.navyfederal.org/document-library.html
  - type: APIReference
    url: https://developer.navyfederal.org/open-banking-api-catalog.html
- aid: navy-federal-credit-union:customer-details
  name: Customer Details API
  description: Member information independent of accounts, including name, address, date of birth, IDs, and other personal
    information. Part of Navy Federal's consumer-permissioned Open Banking API Catalog.
  humanURL: https://developer.navyfederal.org/open-banking-api-catalog.html
  tags:
  - Customers
  - Identity
  properties:
  - type: Documentation
    url: https://developer.navyfederal.org/document-library.html
  - type: APIReference
    url: https://developer.navyfederal.org/open-banking-api-catalog.html
- aid: navy-federal-credit-union:gateway-connectivity
  name: Gateway Connectivity API
  description: Connection test to the API platform providing a basic message response, used to prove out a working request
    over mTLS with whitelisting. Part of Navy Federal's Open Banking API Catalog.
  humanURL: https://developer.navyfederal.org/open-banking-api-catalog.html
  tags:
  - Connectivity
  - mTLS
  properties:
  - type: Documentation
    url: https://developer.navyfederal.org/document-library.html
  - type: APIReference
    url: https://developer.navyfederal.org/open-banking-api-catalog.html
common:
- type: VulnerabilityDisclosure
  url: security/navy-federal-credit-union-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/navy-federal-credit-union-domain-security.yml
- type: Website
  url: https://www.navyfederal.org/
- type: DeveloperPortal
  url: https://developer.navyfederal.org/
- type: Documentation
  url: https://developer.navyfederal.org/document-library.html
- type: SignUp
  url: https://developer.navyfederal.org/register.html
- type: Support
  url: https://developer.navyfederal.org/support.html
- type: TermsOfService
  url: https://developer.navyfederal.org/terms-and-conditions.html
- type: PrivacyPolicy
  url: https://www.navyfederal.org/policy/privacy.html
- type: APIReference
  url: https://developer.navyfederal.org/open-banking-api-catalog.html
- type: Support
  name: Developer FAQs
  url: https://developer.navyfederal.org/support/faqs.html
- type: Login
  url: https://developer.navyfederal.org/login.html
- type: LinkedIn
  url: https://www.linkedin.com/company/navy-federal-credit-union
- type: Blog
  url: https://www.navyfederal.org/makingcents.html
- type: LLMsTxt
  url: llms/navy-federal-credit-union-llms.txt
- type: WellKnown
  url: well-known/navy-federal-credit-union-well-known.yml
- type: SecurityTxt
  url: well-known/navy-federal-credit-union-security.txt
- type: Security
  url: https://navyfederal.responsibledisclosure.com/hc/en-us
- type: Authentication
  url: authentication/navy-federal-credit-union-authentication.yml
- type: Conformance
  url: conformance/navy-federal-credit-union-conformance.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com