State Employees' Credit Union

State Employees' Credit Union (SECU / NCSECU) is a member-owned, not-for-profit financial cooperative headquartered in Raleigh, North Carolina. Founded in 1937 with 17 members and $437 in deposits, it is a state-chartered credit union regulated by the Credit Union Division of the North Carolina Department of Commerce and federally insured by the NCUA (NMLS #430055). SECU is the second-largest natural-person credit union in the United States by both assets and membership, serving nearly 2.9 million member-owners with roughly $56 billion in assets across 275 branches in all 100 North Carolina counties. Membership is primarily limited to North Carolina state employees and their families. On the open-finance front, SECU operates no public first-party developer portal and publishes no downloadable OpenAPI/Swagger specifications; its consumer digital banking (Member Access) supports connecting external accounts for aggregation, and outbound consumer-permissioned data sharing is handled through data aggregators rather than a documented first-party API. No public FDX-conformant data-access endpoint or CFPB Section 1033 data-rights posture is published as of July 2026.

State Employees’ Credit Union is profiled on the APIs.io network. Tagged areas include Financial-Services, Banking, Credit Union, United States, and North Carolina.

State Employees’ Credit Union’s developer surface includes documentation and 5 more developer resources.

🌐 Visit website 📡 Source on GitHub

6.2/100 minimal ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-08-21 · rubric v0.12.0

0 APIs

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

Kin Score

Kin Score How this is scored →
scored 2026-08-21 · rubric v0.12.0

Composite quality — 6.2/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 1.6 / 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

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.

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/. This rating is computed from github.com/api-evangelist/state-employees-credit-union: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

Documentation

Documentation

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: state-employees-credit-union
url: https://raw.githubusercontent.com/api-evangelist/state-employees-credit-union/refs/heads/main/apis.yml
name: State Employees' Credit Union
kind: company
description: 'State Employees'' Credit Union (SECU / NCSECU) is a member-owned, not-for-profit financial cooperative headquartered
  in Raleigh, North Carolina. Founded in 1937 with 17 members and $437 in deposits, it is a state-chartered credit union regulated
  by the Credit Union Division of the North Carolina Department of Commerce and federally insured by the NCUA (NMLS #430055).
  SECU is the second-largest natural-person credit union in the United States by both assets and membership, serving nearly
  2.9 million member-owners with roughly $56 billion in assets across 275 branches in all 100 North Carolina counties. Membership
  is primarily limited to North Carolina state employees and their families. On the open-finance front, SECU operates no public
  first-party developer portal and publishes no downloadable OpenAPI/Swagger specifications; its consumer digital banking
  (Member Access) supports connecting external accounts for aggregation, and outbound consumer-permissioned data sharing is
  handled through data aggregators rather than a documented first-party API. No public FDX-conformant data-access endpoint
  or CFPB Section 1033 data-rights posture is published as of July 2026.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-11'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- Credit Union
- United States
- North Carolina
- Open Finance
- Data Aggregation
tags_raw:
- Financial Services
- Banking
- Credit Union
- United States
- North Carolina
- Open Finance
- Data Aggregation
created: '2026-07-23'
modified: '2026-07-23'
enriched: '2026-07-23'
specificationVersion: '0.23'
apis: []
common:
- type: DomainSecurity
  url: security/state-employees-credit-union-domain-security.yml
- type: Website
  url: https://www.ncsecu.org/
- type: Documentation
  url: https://www.ncsecu.org/about-us
- type: Documentation
  url: https://www.ncsecu.org/services/online
- type: TermsOfService
  url: https://www.ncsecu.org/pdfs/privacy-and-legal/SECUTermsOfUse.pdf
- type: PrivacyPolicy
  url: https://onlineaccess.ncsecu.org/O/SECUContent/PDF/SECUPrivacyNotice_English.pdf
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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