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

14.5/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

Financial ServicesBankingCredit UnionUnited StatesOpen FinanceData Aggregation

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 14.5/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 1.7 / 20

Commercial Clarity 4.7 / 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/penfed: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

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)

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.'
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
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
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