Prospera Credit Union

Prospera Credit Union is a member-owned cooperative financial institution headquartered in British Columbia, Canada, formed on January 1, 2020 through the merger of the original Prospera Credit Union and Westminster Savings Credit Union — the largest credit-union merger in Canadian history. With roughly CA$9 billion in assets under management, about 120,000 members, and some 900 employees across branches in Metro Vancouver, the Fraser Valley, and the Okanagan, it is the third largest credit union in British Columbia and among the six largest in Canada. As a provincially regulated cooperative (credit unions in BC are overseen by BC Financial Services Authority and deposits are protected by the Credit Union Deposit Insurance Corporation of BC), Prospera serves personal and business members with chequing and savings accounts, credit cards, mortgages, loans, and Interac e-Transfer. On the open-finance side, Prospera runs NO public first-party developer portal or documented API — none of developer/api/developers.prospera.ca resolve — and Canada's federal Consumer-Driven Banking (open-banking) framework, legislated in Budget 2024 and overseen by the FCAC, is not yet operational. Like most Canadian credit unions, Prospera reaches national payment rails and consumer data-sharing through shared credit-union-system infrastructure rather than a proprietary API, and third-party data access today is aggregator/screen-scraping based (e.g. Flinks, Plaid). This is an honest identity-only profile with no public API surface to catalog.

Prospera Credit Union is profiled on the APIs.io network. Tagged areas include Financial-Services, Banking, Canada, Credit Union, and Cooperative.

Prospera Credit Union’s developer surface includes YouTube channel, support, and 7 more developer resources.

🌐 Visit website 📡 Source on GitHub

5.3/100 minimal ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

0 APIs

Financial-Services Banking Canada Credit Union Cooperative British Columbia Interac Open Banking Consumer-Driven Banking Data Aggregation

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 5.3/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.8 / 17

Access Clarity 1.8 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 1.9 / 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/prospera-credit-union: 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.

Prospera Credit Union Domain Security

TLSv1.2 · HSTS · DMARC

SECURITY

Resources

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Learn 1

Tutorials, courses, talks, and written guidance

YouTube

YouTube

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 1

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

Company 5

The organization behind the API

Website

Website

About

About

LinkedIn

Facebook

Facebook

Instagram

Instagram

Source (apis.yml)

aid: prospera-credit-union
url: https://raw.githubusercontent.com/api-evangelist/prospera-credit-union/refs/heads/main/apis.yml
name: Prospera Credit Union
kind: company
description: Prospera Credit Union is a member-owned cooperative financial institution headquartered in British Columbia,
  Canada, formed on January 1, 2020 through the merger of the original Prospera Credit Union and Westminster Savings Credit
  Union — the largest credit-union merger in Canadian history. With roughly CA$9 billion in assets under management, about
  120,000 members, and some 900 employees across branches in Metro Vancouver, the Fraser Valley, and the Okanagan, it is the
  third largest credit union in British Columbia and among the six largest in Canada. As a provincially regulated cooperative
  (credit unions in BC are overseen by BC Financial Services Authority and deposits are protected by the Credit Union Deposit
  Insurance Corporation of BC), Prospera serves personal and business members with chequing and savings accounts, credit cards,
  mortgages, loans, and Interac e-Transfer. On the open-finance side, Prospera runs NO public first-party developer portal
  or documented API — none of developer/api/developers.prospera.ca resolve — and Canada's federal Consumer-Driven Banking
  (open-banking) framework, legislated in Budget 2024 and overseen by the FCAC, is not yet operational. Like most Canadian
  credit unions, Prospera reaches national payment rails and consumer data-sharing through shared credit-union-system infrastructure
  rather than a proprietary API, and third-party data access today is aggregator/screen-scraping based (e.g. Flinks, Plaid).
  This is an honest identity-only profile with no public API surface to catalog.
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
- Canada
- Credit Union
- Cooperative
- British Columbia
- Interac
- Open Banking
- Consumer-Driven Banking
- Data Aggregation
tags_raw:
- Financial Services
- Banking
- Canada
- Credit Union
- Cooperative
- British Columbia
- Interac
- Open Banking
- Consumer-Driven Banking
- Data Aggregation
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis: []
common:
- type: DomainSecurity
  url: security/prospera-credit-union-domain-security.yml
- type: Website
  url: https://www.prospera.ca/
- type: About
  url: https://www.prospera.ca/About/Our+Story
- type: LinkedIn
  url: https://www.linkedin.com/company/prospera-credit-union
- type: Facebook
  url: https://www.facebook.com/ProsperaCreditUnion
- type: Instagram
  url: https://www.instagram.com/prosperacreditunion
- type: YouTube
  url: https://www.youtube.com/user/prosperacreditunion
- type: TermsOfService
  url: https://www.prospera.ca/Policies/Legal
- type: Support
  url: https://www.prospera.ca/contact
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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