---
title: "RateAPI Routes"
description: "Turn confirmed customer facts into a source-backed shortlist of published products from 3,700+ tracked US credit unions."
canonical: "https://rateapi.dev/"
last-updated: "2026-10-18"
source: "https://rateapi.dev/llms.txt"
---

# RateAPI Routes

RATEAPI ROUTES · PRODUCT DISCOVERY API FOR US CREDIT UNIONS

# Show each customer the credit-union products within their documented reach .

Match confirmed ZIPs, employers, schools, and relationships to documented membership paths—then attach published products, current rates, and source proof. Routes is the customer-discovery layer on the RateAPI evidence platform.

[Try a sample customer](https://rateapi.dev/routes?sample=association#module) [Inspect the API response →](https://rateapi.dev/api/reference)

- No credit pull
- No paid placement
- Evidence + `as_of`
- Published pricing ≠ approval

Live route receipt Loading verified sources…

The larger network is an illustrative map of documented membership paths. Market medians appear separately and are never connected to a named institution. The receipt above is the live API-produced route. Published pricing is not approval.

How Routes works

## Start with documented reach. Then search exact products.

`POST /v1/access-catalog` evaluates confirmed membership facts once, then runs up to 19 explicit product searches. One exact product can use `POST /v1/reachable-offers` directly.

Credit unions don't serve everyone. Each one publishes its own membership rules — a county, an employer, a school, a service branch, an association you can join for five dollars. Those rules are the difference between a credible customer match and a rate that wastes their afternoon. [Browse who can join what →](https://rateapi.dev/who-can-join)

### Rules are extracted. Verdicts are computed.

We read published membership pages and turn them into structured rules, each edge carrying the source it came from. The verdict itself is never a model's opinion — a deterministic evaluator runs the full rule set and returns `eligible` , `conditionally_eligible` or `possibly_eligible` , with the reasons that produced it and the cost of the conditional step when we know it. Language models help extract; they never decide. [How eligibility is decided →](https://rateapi.dev/eligibility-methodology)

### Unknown is not the same as no.

Where the rules are silent, the answer is `unknown` — never a guess dressed as a verdict. And the endpoint never publishes a list of institutions a person is ineligible for: a credit union that fails every path is simply absent. Membership eligibility is guidance built from public charter data and institution websites; the final determination is always the institution's.

Membership access, published product availability, product suitability, published pricing, underwriting, and approval are separate response layers. The displayed price lives at `products[].reachable_now[].published_price` , beside its evidence and `as_of` . Routes does not turn a published price into a quote or approval.

[Inspect the access-catalog response →](https://rateapi.dev/api/reference) · [Consumer membership explorer](https://rateapi.dev/who-can-join)

See it work

## Inspect the platform beneath every route.

RateAPI provides the rate, decision, and evidence primitives. RateAPI Routes composes them with documented membership paths for each customer. Live results are marked live; samples are marked sample.

Loading the interactive decision demo…

Get a Free API Key Already have a quote? Sanity-check it free — one POST. [Check a quote →](https://rateapi.dev/rate-check)

go deeper: [api-reference](https://rateapi.dev/api/reference) [deposit-rates](https://rateapi.dev/deposit-rates) [mortgage-guide](https://rateapi.dev/what-is-mortgage-rate-api) [auto-loan-guide](https://rateapi.dev/what-is-auto-loan-rate-api) [mcp-server](https://rateapi.dev/mcp) [coverage-and-freshness](https://rateapi.dev/data-coverage) [credit-union-profiles](https://rateapi.dev/credit-unions) [pricing](https://rateapi.dev/pricing)

Why the data is hard

## The spread is real. We measure it daily.

Published offers can differ by more than a percentage point on the same product. A corpus median cannot represent every customer's reachable set, so RateAPI collects evidence per institution instead of modelling a supposed national average.

Loading live product-spread evidence…

Card counts are institutions publishing that specific product on the date shown. We track 3,700+; the number re-verified today is in the strip above.

Loading the current evidenced-rate response…

Sourcing · Trust

## Rankings nobody can buy.

Coverage is useful only when every served result stays inspectable.

### The difficult part is keeping the sources alive.

Credit unions publish rates in HTML, PDFs, iframes, and tiered grids, and they rarely announce when a page changes. **A broken scraper doesn't throw.** It returns yesterday's number, quietly, until someone prices a loan off it. Catching that takes re-verification, daily, across thousands of sources. It is not a dataset you buy once; it is a source network you keep current. [How we collect and verify →](https://rateapi.dev/methodology)

### The number comes with a receipt.

Every served rate ships with its source URL, verbatim snippet, and`as_of` . Membership evidence keeps its own source and timing. Placement never affects order, and each ranked endpoint publishes the basis it used. [Inspect the methodology →](https://rateapi.dev/methodology)

Honest ranking is also harder ranking. The lowest rate is not always the cheapest loan:

Headline APR can't tell you which of these is cheaper. It depends entirely on how long the loan is held.

Held 3 years **6.125% + 2.5 points** $82,174 **6.750% + no points** $79,698 The lower rate loses by $2,476

Held 7 years **6.125% + 2.5 points** $173,509 **6.750% + no points** $181,079 The same loan now wins by $7,570

In this illustration, crossover is at about four years. Decision endpoints can compare APR, points, and disclosed fees over the term supplied; each response states its ranking basis.

True cost · $400,000 · 30-year fixed

Delivery

## Ship Routes through REST, MCP, or a branded module.

Product teams choose the interface. The evidence contract and separation between published pricing and approval stay intact.

### Build with REST

Send confirmed facts and up to 19 explicit product selectors to `POST /v1/access-catalog` . Receive product-specific reachable, action-required, and unresolved buckets with evidence. [Inspect the API →](https://rateapi.dev/api/reference)

### Wire it to an agent

Terminal-capable agents use the RateAPI CLI. Hosted/no-shell products use MCP; both preserve membership and rate evidence. Applications use REST. [Choose an agent setup →](https://rateapi.dev/agents)

### Embed the Routes module

Add the live product-discovery flow under your typography, color, and editorial voice while sources, dates, and disclosures remain. [Inspect the module contract →](https://rateapi.dev/widget-docs/routes)

### Explore RateAPI primitives

Sanity-check one quote or inspect raw rate and benchmark endpoints before composing them into a Routes integration. The consumer comparison stays a secondary evaluation path. [Run one call →](https://rateapi.dev/rate-check)

Pricing

Prototype free with 20 requests/month and no card. Pro is $49/month for 100 requests and priority support. Production teams needing uncapped results or higher volume use Enterprise. [Compare plans →](https://rateapi.dev/pricing)

Availability

Pro includes a 99.9% SLA. Enterprise adds custom limits, support, and commercial terms. [See full terms →](https://rateapi.dev/pricing)

Get a Free API Key

Implementation

## Prototype in minutes. Scale when it proves useful.

Two commands reach the RateAPI platform, or one line gives an agent the same evidence-backed data. Routes adds customer-specific product discovery.

01

### Create a key — free tier, no card

$ terminal

Copy

```
# Create a free API key (email required — 20 requests/month)
RATEAPI_ENROLLMENT_ID="${RATEAPI_ENROLLMENT_ID:-$(node -e 'console.log(crypto.randomUUID())')}"; curl -X POST https://api.rateapi.dev/keys \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: $RATEAPI_ENROLLMENT_ID" \
  -d '{"email": "you@example.com", "source": "curl-home"}'
```

02

### Rank a live quote against the supported market scope

$ terminal

Copy

```
# Rank a quoted auto loan against the live market
curl -X POST https://api.rateapi.dev/v1/decisions \
  -H "X-API-Key: rk_live_..." \
  -H "Content-Type: application/json" \
  -d '{"decision_type":"financing",
       "context":{"geo":{"state":"TX"}},
       "product_request":{"product_type":"auto_loan","intent":"purchase",
                          "amount":70000,"term_months":72},
       "current_offer":{"apr":6.88}}'
```

03

### Or hand it to a terminal-capable agent

$ terminal

Copy

```
# One line. Then ask: "what are the best 30-year rates in Texas, and can I join?"
claude mcp add rateapi https://mcp.rateapi.dev/mcp \
  --transport http \
  --header "x-api-key: rk_your_key_here"

# No key yet? get_benchmarks, get_coverage and search_docs answer without one.
```

Get a Free API Key [Read the docs →](https://rateapi.dev/api/reference)

index → [mortgages](https://rateapi.dev/mortgage-rates) · [auto](https://rateapi.dev/auto-loan-rates) · [rv](https://rateapi.dev/rv-loan-rates) · [boat](https://rateapi.dev/boat-loan-rates) · [motorcycle](https://rateapi.dev/motorcycle-loan-rates) · [heloc](https://rateapi.dev/heloc-rates) · [personal](https://rateapi.dev/personal-loan-rates) · [credit cards](https://rateapi.dev/credit-card-rates) · [deposit](https://rateapi.dev/deposit-rates)

rates today → [mortgage](https://rateapi.dev/current-mortgage-rates) · [auto](https://rateapi.dev/current-auto-loan-rates) · [cd](https://rateapi.dev/current-cd-rates) · [heloc](https://rateapi.dev/current-heloc-rates) · [personal](https://rateapi.dev/current-personal-loan-rates) · [credit union rate index](https://rateapi.dev/credit-union-rate-index)

Coverage

## 3,700+ tracked institutions. Look any of them up.

Every rate we serve traces back to one of these institutions.

Who they serve. Where they branch. Asset size, services, charter — pulled from NCUA filings for the institutions we track.

[Credit unions near me →](https://rateapi.dev/credit-unions/near-me) [Browse by state →](https://rateapi.dev/credit-unions) [Partner with RateAPI →](https://rateapi.dev/for-credit-unions)

Loading credit union discovery…

FAQ

## Eleven questions. Straight answers.

Sourcing, freshness, limits, licensing — the eleven we actually get asked.

No. RateAPI takes no affiliate, referral, or placement revenue. Placement never affects order. Each ranked endpoint publishes the basis it used, and every promoted rate remains inspectable.

Are results ranked by who pays you?

Daily. We track 3,700+ US credit unions and re-read their published lending APR and deposit APY every weekday; the live count of institutions re-verified today is on this page, dated. Every served rate carries its own as_of value. Membership evidence preserves its separate source and publication lineage.

How often is rate data updated?

Yes, both. Daily re-verified lending APR and deposit APY from 3,700+ tracked US credit unions, served over REST and MCP.

Is there an API for lending and deposit rates?

Yes. Claude Code and other terminal agents use the RateAPI CLI by default: install @rateapi/cli globally and start with rateapi agent --json. Hosted/no-shell products such as Claude Desktop and ChatGPT use the native MCP server (listed as dev.rateapi/mcp). Applications use REST; webhooks are also available.

Can I use RateAPI with Claude or ChatGPT?

Lending: mortgages, auto, RV, boat, motorcycle, powersports, HELOC, personal, student, and equipment loans, plus credit cards. Deposits: savings, CDs, share certificates, money-market, IRA-CD, IRA, and share-savings. Use /v1/rates for lending, /v1/deposit-rates for deposit APY, and /v1/decisions for supported financing decisions.

What rate products does RateAPI cover?

Yes. 20 requests/month with a required email. No credit card. Generate a key right on this page and make your first call immediately.

Is there a free tier?

Generate one right here on rateapi.dev — no sales call, no signup flow. The key works instantly.

How do I get an API key?

Yes — displaying ranked rates under your brand is the license, over REST or MCP. The one restriction: don't resell the raw feed. Every served rate includes its source evidence and as_of date.

Can I display these rates in my product?

Yes. POST /v1/decisions takes a user's current offer and returns ranked alternatives with monthly savings, lifetime savings, and break-even timelines — ready to display.

Does the API include savings calculations?

Three ways, none of them code. Email your list: white-labeled rate emails go out under your logo, on your cadence, showing live ranked rates instead of a screenshot (rateapi.dev/branded-rate-emails). Put it on your site: paste one snippet and an embedded widget renders a live, ranked rate table (rateapi.dev/widget-builder). Or just ask: hosted products such as Claude Desktop and ChatGPT can connect through MCP and answer "what are the best 30-year rates in Texas?" in plain English (rateapi.dev/mcp). If you would rather not set anything up at all, the Compare tool at app.rateapi.dev ranks live rates for one client and prints a report. No card on any of them.

Our team has no engineering time — can we still deploy this?

Yes. Branded rate emails send live, ranked rates to your clients under your logo and colors, on a daily, weekly, or monthly cadence. We handle one-click unsubscribe and the CAN-SPAM footer.

Can I send rate emails under my own brand?

Get a Free API Key 20 requests/month. No card. No sales call.

Looking for full financial-planning APIs? [See Plan.fi for partners →](https://planfi.app/partners)

RateAPI

RateAPI Routes turns confirmed customer facts into source-backed shortlists of published products from 3,700+ tracked US credit unions. Every promoted route keeps its membership and price evidence.

[Get API key →](https://rateapi.dev/api-key) [Sign in](https://app.rateapi.dev)

### Build

- [RateAPI Routes →](https://rateapi.dev/routes)
- [Product Matching API](https://rateapi.dev/financial-product-eligibility-api)
- [Membership Eligibility API](https://rateapi.dev/api/eligibility)
- [Rate Query API](https://rateapi.dev/rates-api)
- [Decision API](https://rateapi.dev/api/reference)
- [Batch Decisions API](https://rateapi.dev/api/batch-decisions)

### Deliver

- [Developer Portal →](https://rateapi.dev/developers)
- [Create a free API key](https://rateapi.dev/api-key)
- [REST API docs](https://api.rateapi.dev/)
- [OpenAPI spec](https://api.rateapi.dev/openapi.json)
- [MCP Server](https://rateapi.dev/mcp)
- [Widget builder](https://rateapi.dev/widget-builder)
- [RateAPI Routes widget](https://rateapi.dev/widget-docs/routes)
- [Market Rates widget](https://rateapi.dev/widget-docs/rates)
- [Webhooks](https://api.rateapi.dev/webhooks)
- [Versioning & deprecation](https://rateapi.dev/deprecation-policy)
- [GitHub](https://github.com/rate-api)

### Solutions

- [Personal finance apps](https://rateapi.dev/use-cases/personal-finance-apps)
- [AI purchase advisors](https://rateapi.dev/use-cases/ai-purchasing-tools)
- [AI agents](https://rateapi.dev/use-cases/ai-agents)
- [Car buying platforms](https://rateapi.dev/use-cases/car-buying-platforms)
- [Credit unions](https://rateapi.dev/for-credit-unions)
- [Loan officers](https://rateapi.dev/use-cases/loan-officers)
- [Rate data for ALM](https://rateapi.dev/alm-rate-data)

### Trust

- [Data coverage](https://rateapi.dev/data-coverage)
- [Rate methodology](https://rateapi.dev/methodology)
- [Eligibility methodology](https://rateapi.dev/eligibility-methodology)
- [Transparency](https://rateapi.dev/transparency)
- [Independence](https://rateapi.dev/independence)
- [Corrections](https://rateapi.dev/corrections)
- [Pricing](https://rateapi.dev/pricing)
- [About](https://rateapi.dev/about)
- [Contact](https://rateapi.dev/contact)
- Talk to a human

### Inspect the data behind the API

Public data explorer

- [Current mortgage rates](https://rateapi.dev/current-mortgage-rates)
- [Current auto rates](https://rateapi.dev/current-auto-loan-rates)
- [Current CD rates](https://rateapi.dev/current-cd-rates)
- [Current HELOC rates](https://rateapi.dev/current-heloc-rates)
- [Current personal loan rates](https://rateapi.dev/current-personal-loan-rates)
- [Mortgage rates](https://rateapi.dev/mortgage-rates)
- [Refinance rates](https://rateapi.dev/refinance-rates)
- [Auto loan rates](https://rateapi.dev/auto-loan-rates)
- [RV loan rates](https://rateapi.dev/rv-loan-rates)
- [Boat rates](https://rateapi.dev/boat-loan-rates)
- [Motorcycle rates](https://rateapi.dev/motorcycle-loan-rates)
- [HELOC rates](https://rateapi.dev/heloc-rates)
- [Personal loan rates](https://rateapi.dev/personal-loan-rates)
- [Credit card rates](https://rateapi.dev/credit-card-rates)
- [Deposit rates](https://rateapi.dev/deposit-rates)
- [CD rates](https://rateapi.dev/cd-rates)
- [Savings rates](https://rateapi.dev/savings-rates)
- [Money market rates](https://rateapi.dev/money-market-rates)
- [Credit union directory](https://rateapi.dev/credit-unions)
- [Who can join](https://rateapi.dev/who-can-join)
- [Mortgage benchmark](https://rateapi.dev/mortgage-rate-benchmark)
- [Auto benchmark](https://rateapi.dev/auto-loan-rate-benchmark)
- [HELOC benchmark](https://rateapi.dev/heloc-rate-benchmark)
- [Personal loan benchmark](https://rateapi.dev/personal-loan-rate-benchmark)
- [CD benchmark](https://rateapi.dev/cd-rate-benchmark)
- [Credit union rate index](https://rateapi.dev/credit-union-rate-index)
- [Deposit beta](https://rateapi.dev/deposit-beta)
- [Credit unions vs banks: mortgage](https://rateapi.dev/compare/credit-union-vs-bank-rates)
- [Credit unions vs banks: auto](https://rateapi.dev/compare/credit-union-vs-bank-auto-loan-rates)
- [Credit unions vs banks: HELOC](https://rateapi.dev/compare/credit-union-vs-bank-heloc-rates)
- [Credit unions vs banks: CD](https://rateapi.dev/compare/credit-union-vs-bank-cd-rates)
- [Mortgage rate API comparison](https://rateapi.dev/compare/mortgage-rate-apis)
- [Rate datasets](https://rateapi.dev/credit-union-rate-dataset)

© 2026 RateAPI · US credit unions only · Published pricing is not approval.

[Privacy](https://rateapi.dev/privacy) [Terms](https://rateapi.dev/terms) [llms.txt](https://rateapi.dev/llms.txt)

Mortgage Rates Auto Loan Rates HELOC Rates Personal Loan Rates Student Loans Credit Card Rates Equipment Loans

POST /v1/decisions

Copy

```
const response = await fetch('https://api.rateapi.dev/v1/decisions', {
  method: 'POST',
  headers: {
    'X-API-Key': 'YOUR_API_KEY',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    decision_type: 'financing',
    context: { request_id: 'demo', geo: { state: 'CA' } },
    product_request: {
      product_type: 'mortgage',
      intent: 'purchase',
      amount: 500000,
      term_months: 360
    },
    // Optional: compare against user's current offer
    current_offer: { apr: 6.75 }
  })
});

const { summary, actions } = await response.json();
// Inspect the live summary and ranked actions
```

Live demo ready

Ranked by true cost (APR + points + fees), not headline rate

Run this example against the live RateAPI data.

Run live request

## Find a credit union near you

Start with branch locations credit unions report to the NCUA, then compare rates and membership requirements.

Find credit unions

ZIP code

RateAPI Routes — Evidence-Backed Credit Union Product Discovery
2,507 credit unions re-verified daily as of 2026-10-18

68% of the 3,700+ tracked as of 2026-10-18

47,761 live rates tracked right now as of 2026-10-18

Live API Data

Verified Live

Recently verified **2,507** credit unions in **United States** . Current fixed mortgage APR range is **5.008%** –**9.375%** .

Sources: [Methodology](https://rateapi.dev/methodology) | [API Data](https://api.rateapi.dev)

A markup someone added

+1.13pp added on top of the lender's buy rate, on average

3.240% best

Best published rate we track: **3.240%**

On $70,000 over 72 months

Auto · used 740 credit unions · as of 2026-10-17 Where this number comes from 78.5% of dealer-originated loans carry a markup, and roughly 89% of purchase auto loans are arranged at the dealership — in the largest study of the practice ([Grunewald, Lanning, Low & Salz, 2023](https://economics.mit.edu/sites/default/files/inline-files/autoloans_0.pdf) : prime borrowers, loans originated 2010–2014, not a measurement of today's market). The paper measures markup over a lender's buy rate; we apply that average to the live used-auto median (5.990% across 740 credit unions as of 2026-10-17) as an illustration, and the dollar figures are our arithmetic on it.

A spread nobody showed them

2.05pp between the best published offer and the median

Best published rate we track: **5.423%**

What that spread is worth to an end user · $400,000 over 30 years

Mortgage · 30-year fixed 423 credit unions · as of 2026-10-16 Where this number comes from Median 7.477% APR and best published 5.423% are live figures as of 2026-10-16, across the 423 credit unions publishing a 30-year fixed rate on that date. The spread and the dollar figures are our arithmetic on them — not fields the API returns. “Best published” is the lowest rate a lender advertises, not a rate anyone is guaranteed: eligibility, credit profile and membership requirements still apply.

One route, with its proof

Explore a membership pathlives in works for family of worships at owns property in served in Motion off

Animation off because reduced motion is preferred.

Confirm the customer lives in a named eligible area.

**Customer fact to confirm**

AAC Credit Union

> Persons who live, work, or attend school in the State of Michigan.

[about page](https://www.goaac.com/about-us/who-can-open-an-account) · verbatim · recorded 2026-08-28

**Published membership path**

30-yr fixed: **7.48% APR** credit union median across 423 credit unions · as of 2026-10-16

Not connected to AAC Credit Union. This aggregate is not an institution-specific rate, offer, or approval. The wider network is illustrative.

**Independent market snapshot**

Credit union market medians. These are illustrative context, not offers from the named institution.Swipe to compare →

- 30-yr fixed 7.48% APR as of 2026-10-16
- new auto 5.45% APR as of 2026-10-17
- 15-yr fixed 6.79% APR as of 2026-10-16
- HELOC 6.62% APR as of 2026-10-17
- used auto 5.99% APR as of 2026-10-17

One route, with its proof

Explore a membership pathlives in works for family of worships at owns property in served in Motion off

Animation off because reduced motion is preferred.

Confirm the customer lives in a named eligible area.

**Customer fact to confirm**

AAC Credit Union

> Persons who live, work, or attend school in the State of Michigan.

[about page](https://www.goaac.com/about-us/who-can-open-an-account) · verbatim · recorded 2026-08-28

**Published membership path**

30-yr fixed: **7.48% APR** credit union median across 423 credit unions · as of 2026-10-16

Not connected to AAC Credit Union. This aggregate is not an institution-specific rate, offer, or approval. The wider network is illustrative.

**Independent market snapshot**

Credit union market medians. These are illustrative context, not offers from the named institution.Swipe to compare →

- 30-yr fixed 7.48% APR as of 2026-10-16
- new auto 5.45% APR as of 2026-10-17
- 15-yr fixed 6.79% APR as of 2026-10-16
- HELOC 6.62% APR as of 2026-10-17
- used auto 5.99% APR as of 2026-10-17
- savings 0.17% APY as of 2026-10-17
- 12-mo CD 3.50% APY as of 2026-10-16

```
$ curl "https://api.rateapi.dev/v1/rates?product_type=auto_loan&sort=apr_asc&limit=2" \
    -H "X-API-Key: rk_live_..."

{
  "rates": [
    { "lender": "Securityplus Credit Union", "apr": 2.96 } ,
    { "lender": "Lowell Firefighters Credit Union", "apr": 2.99 }
  ]
}

# median published auto APR 5.45% → the best offer saves 2.49pp
```

as_of 2026-10-15 · re-verified daily

3,700+ tracked credit unions. one GET.

One live route · sources attached Sample profile · live API

Provided sample profile input **Member of American Consumer Council**

Documented membership path **Allegacy Credit Union** You may be eligible for membership through the American Consumer Council (ACC) if you live in North Carolina.

Published product at that credit union **AllHealth Wellness Savings** 1.05% **APY** Balance Dividend APY* 0-3 YMCA visits 0.10% 0.10% 4-7 YMCA visits 0.75% 0.75% 8-11 YMCA visits 0.85% 0.85% 12 YMCA visits 1.05% 1.05% *APY = Annual Percentage Yield. Rates are variable and subject to

Source ledger [Membership source · Aug 29, 2026](https://allegacy.org/about/membership) [Rate source · Oct 16, 2026](https://allegacy.org/rates)

This establishes a documented membership path and published product. It does not evaluate underwriting or approval, and published pricing is not a guaranteed offer.

---

Source: https://rateapi.dev/
Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp