# State Employees' Credit Union

**Canonical:** https://apis.io/providers/state-employees-credit-union/  
**Website:** https://www.ncsecu.org/  
**APIs profiled:** 0

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.

## Kin Score — 6.2 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 6.2).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 9.5 |
| 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)

- **State Employees Credit Union Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

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

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