# PenFed Credit Union

**Canonical:** https://apis.io/providers/penfed/  
**Website:** https://www.penfed.org/  
**APIs profiled:** 0

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.

## Kin Score — 5.2 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 5.2).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 4.8 |
| Commercial Clarity | 11.8 |
| Access Clarity | 11.8 |

Regulatory layer — **Banking & Open Finance**: 10.1 (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)

- **Penfed Domain Security** — TLSv1.3 · DNSSEC · DMARC

## Tags

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

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