# SchoolsFirst FCU

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

SchoolsFirst Federal Credit Union is a federally chartered, member-owned credit union headquartered in Tustin, California, serving educators and their families. Founded in 1934 as Orange County Teachers Credit Union, it is the largest credit union in California and one of the largest in the United States, with roughly $31.9 billion in assets, over 1.4 million members, and about 70 branches. It offers savings, checking, loans, mortgages, credit cards, and investment services. Like most US credit unions, SchoolsFirst runs no first-party public developer program: probes of developer.schoolsfirstfcu.org fail to resolve and /developers returns 404, and its api.schoolsfirstfcu.org host is the member online-banking login backend, not a documented API. Consumer-permissioned data access is available only through open-finance aggregators (Plaid, Finicity, MX, Akoya) rather than a direct API. No public FDX participation or CFPB Section 1033 data-access posture is documented at this time.

## Kin Score — 8.4 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 8.4).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 23.7 |
| Access Clarity | 23.7 |

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)

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

## Tags

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

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