VyStar Credit Union website screenshot

VyStar Credit Union

VyStar Credit Union is a member-owned, not-for-profit financial cooperative headquartered in Jacksonville, Florida. Founded in 1952 as Jax Navy Federal Credit Union to serve military members at Naval Air Station Jacksonville and renamed VyStar in 2002, it is one of the largest credit unions in the United States, with roughly $14 billion in assets, more than 950,000 members, and approximately 80 branches across Florida and Georgia. It is state-chartered and federally insured by the NCUA. Like most US credit unions, VyStar publishes no public, first-party developer API program: there is no live developer portal, no downloadable OpenAPI or Swagger definition, and no documented first-party data-access API. Consumer-permissioned account data is shared with third parties through financial-data aggregators rather than a documented open API, and the United States has no single mandated open-banking contract. VyStar's open-finance posture is therefore aggregator-mediated, with the emerging CFPB Section 1033 Personal Financial Data Rights rule as the relevant regulatory horizon.

VyStar Credit Union is profiled on the APIs.io network. Tagged areas include Financial-Services, Banking, Credit Union, United States, and Open Finance.

🌐 Visit website 📡 Source on GitHub
2.2/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0
0 APIs
Financial-ServicesBankingCredit UnionUnited StatesOpen FinanceConsumer FinanceData Aggregation

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0
Composite quality — 2.2/100 · minimal
Contract Quality 0.0 / 21
Developer Ergonomics 0.0 / 17
Access Clarity 0.0 / 17
Operational Transparency 0.0 / 11
Contract Governance 0.0 / 10
Discoverability 4.9 / 9
Regulatory Posture 1.1 / 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
Delegated User Identity 0 / 6
Protected Resource Metadata 0 / 5
Registration Without a Human 0 / 6
Agentic Commerce Well-Known Document 0 / 5
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.
Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.
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/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/vystar: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Vystar Domain Security

TLSv1.2 · DMARC

SECURITY

Resources

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity

Company 2

The organization behind the API

Website
Website
 LinkedIn
LinkedIn

Source (apis.yml)

apis.yml Raw ↑ 
aid: vystar
url: https://raw.githubusercontent.com/api-evangelist/vystar/refs/heads/main/apis.yml
name: VyStar Credit Union
kind: company
description: 'VyStar Credit Union is a member-owned, not-for-profit financial cooperative headquartered in Jacksonville, Florida.
  Founded in 1952 as Jax Navy Federal Credit Union to serve military members at Naval Air Station Jacksonville and renamed
  VyStar in 2002, it is one of the largest credit unions in the United States, with roughly $14 billion in assets, more than
  950,000 members, and approximately 80 branches across Florida and Georgia. It is state-chartered and federally insured by
  the NCUA. Like most US credit unions, VyStar publishes no public, first-party developer API program: there is no live developer
  portal, no downloadable OpenAPI or Swagger definition, and no documented first-party data-access API. Consumer-permissioned
  account data is shared with third parties through financial-data aggregators rather than a documented open API, and the
  United States has no single mandated open-banking contract. VyStar''s open-finance posture is therefore aggregator-mediated,
  with the emerging CFPB Section 1033 Personal Financial Data Rights rule as the relevant regulatory horizon.'
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-09-02'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- Credit Union
- United States
- Open Finance
- Consumer Finance
- Data Aggregation
tags_raw:
- Financial Services
- Banking
- Credit Union
- United States
- Open Finance
- Consumer Finance
- Data Aggregation
created: '2026-07-23'
modified: '2026-07-23T15:30:00Z'
specificationVersion: '0.23'
apis: []
common:
- type: Website
  url: https://www.vystarcu.org/
- type: LinkedIn
  url: https://www.linkedin.com/company/vystar-credit-union
- type: DomainSecurity
  url: security/vystar-domain-security.yml
- type: LLMsTxt
  url: llms/vystar-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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