PenFed Credit Union website screenshot

PenFed Credit Union

PenFed Credit Union (Pentagon Federal Credit Union), founded in 1935 and headquartered in McLean, Virginia, is a federally chartered credit union regulated by the National Credit Union Administration (NCUA) and one of the largest credit unions in the United States, with roughly 2.9 million members and tens of billions of dollars in assets. It is a not-for-profit, member-owned financial cooperative that originally served the U.S. military and defense community and now offers open membership, providing mortgages, auto loans, credit cards, personal loans, and deposit accounts. On the open-finance front, PenFed runs an internal API-management practice — MuleSoft/Anypoint is the backbone of its digital-banking platform and an Apigee-backed developer portal host exists at developer.penfed.org (with an api.penfed.org gateway) — but neither surface is publicly documented or openly reachable: there is no public developer program, no published OpenAPI, and consumer account data is made available to members through permissioned third-party aggregators such as Plaid rather than a directly documented FDX or CFPB Section 1033 data-access API.

PenFed Credit Union is profiled on the APIs.io network. Tagged areas include Financial-Services, Banking, Credit Union, United States, and Open Finance.

🌐 Visit website 📡 Source on GitHub
5.2/100 minimal ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0
0 APIs
Financial-ServicesBankingCredit UnionUnited StatesOpen FinanceData Aggregation

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0
Composite quality — 5.2/100 · minimal
Contract Quality 0.0 / 21
Developer Ergonomics 0.8 / 17
Access Clarity 2.0 / 17
Operational Transparency 0.0 / 11
Contract Governance 0.0 / 10
Discoverability 4.3 / 9
Regulatory Posture 1.5 / 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/penfed: 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.

Penfed Domain Security

TLSv1.3 · DNSSEC · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 Login
Login

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy
PrivacyPolicy

Company 1

The organization behind the API

Website
Website

Source (apis.yml)

apis.yml Raw ↑ 
aid: penfed
url: https://raw.githubusercontent.com/api-evangelist/penfed/refs/heads/main/apis.yml
name: PenFed Credit Union
kind: company
description: 'PenFed Credit Union (Pentagon Federal Credit Union), founded in 1935 and headquartered in McLean, Virginia,
  is a federally chartered credit union regulated by the National Credit Union Administration (NCUA) and one of the largest
  credit unions in the United States, with roughly 2.9 million members and tens of billions of dollars in assets. It is a
  not-for-profit, member-owned financial cooperative that originally served the U.S. military and defense community and now
  offers open membership, providing mortgages, auto loans, credit cards, personal loans, and deposit accounts. On the open-finance
  front, PenFed runs an internal API-management practice — MuleSoft/Anypoint is the backbone of its digital-banking platform
  and an Apigee-backed developer portal host exists at developer.penfed.org (with an api.penfed.org gateway) — but neither
  surface is publicly documented or openly reachable: there is no public developer program, no published OpenAPI, and consumer
  account data is made available to members through permissioned third-party aggregators such as Plaid rather than a directly
  documented FDX or CFPB Section 1033 data-access API.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  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
- Credit Union
- United States
- Open Finance
- Data Aggregation
tags_raw:
- Financial Services
- Banking
- Credit Union
- United States
- Open Finance
- Data Aggregation
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis: []
common:
- type: DomainSecurity
  url: security/penfed-domain-security.yml
- type: Website
  url: https://www.penfed.org/
- type: DeveloperPortal
  url: https://developer.penfed.org/
- type: Login
  url: https://www.penfed.org/login
- type: PrivacyPolicy
  url: https://www.penfed.org/privacy-policy
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this
  • find_providersBrowse and filter every provider in the catalog.
  • get_provider_artifactsEvery artifact this provider publishes, grouped by type.
  • get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
  • get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
  • get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
  • get_provider_ratingPRO — composite, band, trend and facet scores.
  • apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
  • resolveTurn a domain, URL or GitHub org into the provider it belongs to.
  • find_cohortsEvery scored population of providers in the catalog.
All 92 tools →

Call it yourself

curl for this page
This provider 
curl "https://apis.io/api/v1/providers/penfed"
All providers 
curl "https://apis.io/api/v1/providers?limit=25"
Every operation they expose 
curl "https://apis.io/api/v1/providers/penfed/operations?limit=25"
How their score was established 
curl "https://apis.io/api/v1/providers/penfed/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.