Alterna Savings
Alterna Savings and Credit Union Limited is a member-owned financial cooperative (credit union) founded in 1908 as the Civil Service Savings and Loan Society, headquartered in Ottawa, Ontario and regulated provincially by the Financial Services Regulatory Authority of Ontario (FSRAO). It is one of Ontario's largest credit unions, serving roughly 217,000 members with about C$10.8 billion in assets across branches in Ontario, and operates the federally regulated direct-banking subsidiary Alterna Bank, one of Canada's earliest digital-first banks. Alterna offers personal and business banking, mortgages, lending, investments and insurance. Consistent with Canada's voluntary, not-yet-operational Consumer-Driven Banking framework (legislated in Budget 2024 / Fall Economic Statement 2024 with the FCAC as overseer), Alterna Savings exposes NO public first-party developer portal or documented API. Digital access is delivered through its online and mobile banking apps and the Interac e-Transfer consumer rail; any third-party data access today is aggregator/screen-scraping based rather than a first-party API. This is an identity-only record with an honest no-public-API posture.
More than an index entry, but the surface is still mostly links rather than artifacts — the cohort most likely to move a full band from modest, well-targeted work.
API Evangelist profiles Alterna Savings the way a machine reads it — 3 machine-readable artifacts, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Alterna Savings scores 22.1/100 (emerging), with a separate agent-readiness read of 14/100 (human only). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Alterna Savings
Each block below is one kind of artifact we hold for Alterna Savings. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Scopes 1
OAuth scopes are the vocabulary of least-privilege access. Profiling them shows exactly what an integration — or an agent acting on a user's behalf — is allowed to do.
OAuth scopes governing access to this provider's APIs.
Resources
Every other property we hold for Alterna Savings — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Access & Security 3
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 1
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/alterna-savings · machine-readable index on apis.io