Reference Data

Full field-of-membership record for one credit union

Returns the complete published membership-eligibility record ("who can join") for one credit union: charter shape, geography arrays, employer groups, associations, occupations, military/school/place-of-worship affinities, the cost to join, and provenance (source, confidence, evidence_url, extracted_at). Long employer lists live here rather than inlined on ranked offers.

The id is the composite credit-union id (name|city|STATE) returned by the rate and decision surfaces — URL-encode it. Any /v1/rates row's eligibility.details field already contains a ready-made path to this endpoint.

This endpoint reports published criteria; it never asserts that an individual is ineligible. Day-cacheable at the edge.

Authentication required: Pass your API key in the X-API-Key header.

get/v1/credit-unions/{id}/eligibility

Request

  • Base URL: https://api.rateapi.dev
  • URL: https://api.rateapi.dev/v1/credit-unions/{id}/eligibility
  • Auth: API key in header X-API-Key

Path parameters

idstring required

Composite credit-union id (name|city|STATE), URL-encoded.

Response

The credit union's full membership-eligibility record.

credit_union_idstring required

Canonical identifier of the credit union.

eligibility_typestring required

How membership is defined for this credit union — for example community, employer, association, or military.

open_to_anyoneboolean required

True when anyone can join, typically via an association or donation path.

join_pathstring nullable

How a non-qualifying borrower can still become eligible, or null when no such path is documented.

geo_statesstring[] required

US state codes whose residents qualify on geography alone.

geo_countiesstring[] required

Counties whose residents qualify on geography alone.

geo_citiesstring[] required

Cities whose residents qualify on geography alone.

employersstring[] required

Employers whose staff qualify for membership.

associationsstring[] required

Associations whose members qualify, including any that can be joined to gain eligibility.

occupationsstring[] required

Occupations that qualify for membership.

worship_orgsstring[]

Congregations or religious organizations whose members qualify.

schoolsstring[]

Schools or districts whose students, staff, or alumni qualify.

family_membershipboolean nullable

True when a family member of an existing member qualifies, or null when unknown.

membership_fee_usdnumber nullable

One-time membership fee in US dollars, or null when unknown.

min_deposit_usdnumber nullable

Minimum opening share deposit in US dollars, or null when unknown.

requirements_summarystring nullable

Plain-language summary of what membership requires, or null when none was extracted.

sourcestring nullable

Where the eligibility rules were read from, or null when unattributed.

confidencenumber nullable

Confidence in the extracted rules, 0–1, or null when not scored.

evidence_urlstring uri nullable

Page the eligibility rules were extracted from, or null when unattributed.

extracted_atstring date-time nullable

When the eligibility rules were last extracted, or null when unknown.

updated_atstring date-time nullable

When this eligibility record was last written, or null when unknown.

disclosurestring required

Disclosure text that must be shown with these rules: they are extracted from published sources and the credit union decides eligibility, not this API.

Example response

{
  "eligibility_type": "community"
}

Changes

No recorded changes to this operation across all 1 revision of this API.