# Prospera Credit Union

**Canonical:** https://apis.io/providers/prospera-credit-union/  
**Website:** https://www.prospera.ca/  
**APIs profiled:** 0

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.

## Kin Score — 5.3 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 5.3).

| 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 | 10.5 |
| Access Clarity | 10.5 |

Regulatory layer — **Banking & Open Finance**: 12.7 (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)

- **Prospera Credit Union Domain Security** — TLSv1.2 · HSTS · DMARC

## Tags

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

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