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

15.4/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

Financial ServicesBankingCredit UnionUnited StatesNorth CarolinaOpen FinanceData Aggregation

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 15.4/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 1.7 / 20

Commercial Clarity 4.2 / 20

Operational Transparency 0.0 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

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

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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.'
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
created: '2026-07-23'
modified: '2026-07-23'
enriched: '2026-07-23'
specificationVersion: '0.19'
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