---
title: "RateAPI"
description: "The rate data your app — or your agent — can act on: live rates, terms and membership eligibility across 3,700+ tracked US credit unions, re-verified daily and served over REST and MCP."
canonical: "https://rateapi.dev/"
last-updated: "2026-09-02"
source: "https://rateapi.dev/llms.txt"
---

# RateAPI

RATES + ELIGIBILITY · REST API & MCP

# The rate data your app — or your agent — can act on.

Door · quoted verbatim

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

AAC Credit Union · about page verbatim · recorded 2026-08-28

and the price behind each door — credit union medians, each with the date we read it

- 30-yr fixed6.79% APRas of 2026-09-02
- new auto5.25% APRas of 2026-09-02
- 15-yr fixed6.13% APRas of 2026-09-02
- HELOC6.50% APRas of 2026-09-02
- used auto5.75% APRas of 2026-09-02

Door · quoted verbatim

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

AAC Credit Union · about page verbatim · recorded 2026-08-28

[See what I can join](https://rateapi.dev/who-can-join)[Explore the graph →](https://rateapi.dev/credit-union-rate-index)

- MCPClaude, ChatGPT, any agent
- REST APIOne POST to a real answer
- On this siteFor people — no key

```
claude mcp add rateapi https://mcp.rateapi.dev/mcp \
  --transport http \
  --header "x-api-key: rk_your_key_here"
```

Copy

Streamable HTTP. RateAPI is an approved ChatGPT connector — [see the full MCP setup](https://rateapi.dev/mcp). No key yet? `get_benchmarks`, `get_coverage`, `search_docs` answer without one.

Get a free key and paste it in

```
curl -X POST https://api.rateapi.dev/v1/eligibility/search \
  -H "X-API-Key: rk_your_key_here" \
  -H "Content-Type: application/json" \
  -d '{"home_zip":"94105"}'
```

Copy

```
{
  "counts": { "eligible": 14, "conditional": 9 },
  "eligible": [
    { "name": "<credit union>", "confidence": 0.95,
      "reasons": ["Lives in the membership county"] }
  ],
  "conditionally_eligible": [
    { "name": "<credit union>", "join_cost_usd": 5,
      "reasons": ["Join the sponsoring association"] }
  ]
}
```

Sample response — the shape is the live contract. [Read the API reference](https://rateapi.dev/api/reference) — every response carries the date each rate was observed.

Get a free key and paste it in

Answer a few questions and see which credit unions you can join, and what they charge — no key, no account, nothing stored. [See what I can join →](https://rateapi.dev/who-can-join)

RateAPI is a REST and MCP API serving live, evidence-backed lending and deposit rates and membership-eligibility verdicts for 3,700+ tracked US credit unions — built for apps and AI agents. Every rate is quoted from the institution's own page and dated. **Nobody pays for placement. Ever.**

and the price behind each door — credit union medians, each with the date we read it

- 30-yr fixed6.79% APRas of 2026-09-02
- new auto5.25% APRas of 2026-09-02
- 15-yr fixed6.13% APRas of 2026-09-02
- HELOC6.50% APRas of 2026-09-02
- used auto5.75% APRas of 2026-09-02
- savings0.25% APYas of 2026-09-02
- 12-mo CD3.40% APYas of 2026-09-02

A sample of the graph. Layout is illustrative; every quote, institution, rate and date on it is real. Published pricing is not an offer.

**30-yr fixed**price

6.79% APR — credit union median across 442 credit unions

as of 2026-09-02

**new auto**price

5.25% APR — credit union median across 1,582 credit unions

as of 2026-09-02

**15-yr fixed**price

6.13% APR — credit union median across 106 credit unions

as of 2026-09-02

**HELOC**price

6.50% APR — credit union median across 932 credit unions

as of 2026-09-02

**used auto**price

5.75% APR — credit union median across 807 credit unions

as of 2026-09-02

**savings**price

0.25% APY — credit union median across 444 credit unions

as of 2026-09-02

**12-mo CD**price

3.40% APY — credit union median across 363 credit unions

as of 2026-09-02

**AAC Credit Union**lives in

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

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

**Fortress Federal Credit Union**lives in

> Membership in the Credit Union is open to anyone who lives or works in Grant County, Indiana, and their immediate families.

membership eligibility page · [source page](https://fortressfcu.org/index.php/membership-eligibility/) · recorded 2026-08-28

**Colquitt County Teachers Federal Credit Union**works for

> The field of membership currently includes employees of the Colquitt County School System, Southern Regional Technical College, and Colquitt Christian Academy.

join page · [source page](https://colquittcountyteachersfcu.com/who-can-join) · recorded 2026-08-28

**Lufthansa Employee Federal Credit Union**works for

> To be eligible for membership, you must work for a Lufthansa Group company, be a relative of an employee who works for a Lufthansa Group company, or be a retiree from a Lufthansa Group company.

membership page · [source page](https://www.lhcu.com/membership-newaccount.html) · recorded 2026-08-28

**Eagle One Federal Credit Union**works for

> Eagle One FCU proudly serves all Philadelphia District and Lancaster postal employees and retirees, as well as their immediate family members.

about page · [source page](https://www.eagleonefcu.org/about-eagle-one) · recorded 2026-08-28

**Idaho Central Credit Union**family of

> Immediate family members of eligible members of the Credit Union. Immediate family members are defined as a spouse, child, sibling, parent, grandparent, or grandchild.

membership page · [source page](https://www.iccu.com/membership/) · recorded 2026-08-28

**Firelands Federal Credit Union**family of

> If you have family members who are existing Firelands Federal Credit Union members, you may also qualify for membership.

membership page · [source page](https://www.firelandsfcu.org/membership/) · recorded 2026-08-28

**KC Fairfax Federal Credit Union**worships at

> If you live, work, worship, or go to school in Wyandotte County you are eligible to Join KC Fairfax FCU.

membership page · [source page](https://www.kcffcu.com/About-Us/Membership.aspx) · recorded 2026-08-28

**Metro Community Federal Credit Union**worships at

> Our membership is open to anyone who lives, works, attends school or worship in Cabell and Wayne Counties, WV and Lawrence County, OH.

about page · [source page](https://www.metrocommunityfcu.com/About-Us/Who-We-Are) · recorded 2026-08-28

**Valley Communities Credit Union**owns property in

> Our credit union’s current charter area includes all persons who live, work, or own property in Adams, Clark, Juneau, Lincoln, Marathon, Portage, Shawano, Taylor, Waupaca, Waushara, or Wood counties.

join page · [source page](https://www.valleycommunities.org/about-us-join/about-vccu/history.html) · recorded 2026-08-28

**Whitefish Credit Union**owns property in

> For Whitefish Credit Union, membership is available to persons, trusts, organizations, partnerships, and corporations who live, work, operate, own property, worship, participate in an association, or go to school …

about page · [source page](https://www.whitefishcu.com/Your-Credit-Union/About-Us/Credit-Union-Difference) · recorded 2026-08-28

**PBA Federal Credit Union**served in

> Active Military or Civilian Personnel of the U.S. Government working at Pine Bluff Arsenal

about page · [source page](https://www.pbafcu.com/about) · recorded 2026-08-28

**Honolulu Federal Credit Union**served in

> Members of the U.S. Armed Forces including the U.S. Coast Guard who live in Hawaii

membership page · [source page](https://www.myhocu.com/membership/sign-up/) · recorded 2026-08-28

**Penlanco Federal Credit Union**served in

> Through our partnership with the National Credit Union Coalition for America’s Heroes, Penlanco FCU is proud to serve veterans, active-duty military members, reservists, and their families.

membership eligibility page · [source page](https://penlancofcu.com/membership-eligibility/) · recorded 2026-08-28

Read the graph as a list — 14 membership sentences and 7 product medians

The graph, as an API call

## Every edge in that field is one POST to /v1/eligibility/search.

The same doors, the same prices, the same provenance, returned as JSON — verdicts carry their reasons, and a door we cannot resolve comes back as a question to ask.

Unknown is never a no.

[View API docs →](https://rateapi.dev/api/reference)

```
$ curl -X POST api.rateapi.dev/v1/eligibility/search \
    -H "X-API-Key: rk_live_..." \
    -d '{"home_zip":"28202","employer":"<employer>"}'

{
  "counts": { "eligible": 14, "conditional": 9 },
  "eligible": [
    { "name": "<credit union>", "confidence": 0.95,
      "reasons": ["Lives in the membership county"] }
  ],
  "conditionally_eligible": [
    { "name": "<credit union>", "join_cost_usd": 5,
      "reasons": ["Join the sponsoring association"] }
  ]
}

# what they could have — verdicts carry their reasons
```

sample response · shape is the live contract

who can actually join. one POST.

The availability layer

## Membership eligibility, not the rate, decides who can actually borrow at it.

A rate nobody can get is not a rate. Every comparison surface can tell you what an institution publishes; the harder question is who is allowed to take it.

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 rate your user can act on 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.

See it work

## Run the call yourself.

Run the same decision contract your integration will. Live results are marked live. Samples are marked sample.

Loading the interactive decision demo…

Get a Free API KeyAlready 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.

Institutions disagree with each other by more than a percentage point on the same product, so a national average is wrong for almost every user — this data has to be collected per institution, not modelled.

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.

Sourcing · Trust

## Rankings nobody can buy.

Coverage almost nobody can build. Trust it pays for.

### You can't build this. That's the point.

Anyone can compute a percentile. Almost nobody has 3,700+ tracked institutions to compute it against. Lenders publish rates in HTML, in PDFs, inside iframes, buried in tiered grids — and they never 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 isn't a dataset you buy once. It's thousands of sources you keep alive forever. [How we collect and verify →](https://rateapi.dev/methodology)

### The number comes with a receipt.

Every rate ships with its source URL, its timestamp, the parsed snippet, and an `as_of` date. Don't trust us — click through. And the ranking underneath is not for sale. Lenders can pay to see their rank. Nobody can pay to move it. Placement revenue is permanently off limits. Not “not currently.” Never. That refusal is also why the coverage is good: 3,700+ tracked institutions show up when showing up is the only way in.

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** $79,698The lower rate loses by $2,476

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

Crossover is at about four years. That's why we rank on APR + points + fees over the term you give — not a sort on one column.

True cost · $400,000 · 30-year fixed

Delivery

## Four ways in: REST, MCP, branded emails, or right here with no key.

Same data, same ranking, same refusal to sell placement.

### Embed it

Pull ranked rates into your product over REST. Display them under your brand — that's the license. The one restriction: don't resell the raw feed. [Full terms →](https://rateapi.dev/terms)

### Wire it to an agent

Claude, ChatGPT, or any MCP client can query live rates, run eligibility checks and do the savings math — no backend to write. Listed on the official MCP registry as `dev.rateapi/mcp`. [Set up the MCP server →](https://rateapi.dev/mcp)

### Send it

Help buyers compare rates in your area while you stay top of mind. Live ranked rates go out under your logo, on your cadence — recipients see real numbers, not a screenshot. [Branded rate emails →](https://rateapi.dev/branded-rate-emails)

### Try it first

Run a single ranking against 3,700+ tracked credit unions before you write any integration code — no key, nothing stored. The same call your backend will make. [Run one call →](https://rateapi.dev/rate-check)

Pricing

Free — 20 req/mo. No card. Pro — $49/mo, 100 req. Enterprise — unlimited. Full limits, overage, and caching terms: [/pricing →](https://rateapi.dev/pricing)

Availability

99.9% SLA on Pro. Enterprise terms: [/pricing →](https://rateapi.dev/pricing)

Get a Free API Key

Start

## Make the call.

Two commands to a ranked live quote — or one line that hands your agent the whole API.

01

### Create a key — free tier, no card

$terminal

Copy

# Create a free API key (email required — 20 requests/month)

curl -X POST https://api.rateapi.dev/keys \

-H "Content-Type: application/json" \

-d '{"email": "you@example.com", "source": "curl-home"}'

02

### Rank a live quote — every tracked credit union, one response

$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 your agent — Claude, ChatGPT, any MCP client

$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 — not now, not ever. Every result is ranked by true cost (APR + points + fees) across 3,700+ tracked institutions. The top option is the lowest true cost among the published rates we track, full stop.

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 response carries an as_of date, so your product can show exactly how fresh the number is.

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. RateAPI ships a native MCP server (listed on the official MCP registry as dev.rateapi/mcp), so Claude, ChatGPT and any MCP client can query live mortgage, auto and deposit rates, check membership eligibility, and run the savings math directly. get_benchmarks, get_coverage and search_docs answer without a key. REST and 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 displayed rate can carry its source URL 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: connect Claude, ChatGPT, or any MCP client and ask "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 Key20 requests/month. No card. No sales call.

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

⚡RateAPI

Daily-verified lending rates from 3,700+ tracked US credit unions, plus deposit APY benchmarks for savings, CDs, share certificates, and money markets.

[Sign In →](https://app.rateapi.dev)

### Products

- [Current Rates →](https://rateapi.dev/current-mortgage-rates)
- [Current Auto Loan 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)
- [Credit Union Rate Index](https://rateapi.dev/credit-union-rate-index)
- [For Credit Unions](https://rateapi.dev/for-credit-unions)
- [For Real Estate Agents](https://rateapi.dev/for-real-estate-agents)
- [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 & Marine 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)
- [Credit Union Directory →](https://rateapi.dev/credit-unions)
- [Who Can Join](https://rateapi.dev/who-can-join)

### Deposits

- [Deposit & CD 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)
- [CD Rate Benchmark](https://rateapi.dev/cd-rate-benchmark)
- [Deposit Beta](https://rateapi.dev/deposit-beta)

### Resources

- [Should I Refinance?](https://rateapi.dev/should-i-refinance)
- [When to Lock Your Rate](https://rateapi.dev/when-to-lock-your-rate)
- [Auto vs Personal Loan](https://rateapi.dev/auto-loan-vs-personal-loan)
- [Pricing →](https://rateapi.dev/pricing)
- [Use Cases](https://rateapi.dev/use-cases)
- [AI Integration](https://rateapi.dev/ai)
- [AI Guides →](https://rateapi.dev/ai-guides)
- [Mortgage Benchmark](https://rateapi.dev/mortgage-rate-benchmark)
- [Auto Loan 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)
- [Data Methodology](https://rateapi.dev/methodology)
- [Transparency](https://rateapi.dev/transparency)
- [Datasets →](https://rateapi.dev/credit-union-rate-dataset)

### Compare

- [Credit Union vs Bank Mortgage Rates](https://rateapi.dev/compare/credit-union-vs-bank-rates)
- [Credit Union vs Bank Auto Loan Rates](https://rateapi.dev/compare/credit-union-vs-bank-auto-loan-rates)
- [Credit Union vs Bank HELOC Rates](https://rateapi.dev/compare/credit-union-vs-bank-heloc-rates)
- [Credit Union vs Bank CD Rates](https://rateapi.dev/compare/credit-union-vs-bank-cd-rates)
- [Mortgage Rate API Comparison](https://rateapi.dev/compare/mortgage-rate-apis)

### Company

- [About](https://rateapi.dev/about)
- [What is RateAPI?](https://rateapi.dev/what-is-rateapi)
- [Mortgage Rate API Guide](https://rateapi.dev/what-is-mortgage-rate-api)
- [Auto Loan Rate API Guide](https://rateapi.dev/what-is-auto-loan-rate-api)
- [FAQ](https://rateapi.dev/faq)
- [Independence](https://rateapi.dev/independence)
- [Corrections](https://rateapi.dev/corrections)
- [Contact](https://rateapi.dev/contact)
- Are you a real estate agent or lender?

### Developers

- [Developer Portal →](https://rateapi.dev/developers)
- [API Reference](https://api.rateapi.dev/)
- [OpenAPI Spec](https://api.rateapi.dev/openapi.json)
- [Webhooks](https://api.rateapi.dev/webhooks)
- [MCP Server](https://rateapi.dev/mcp)
- [Embed Widgets](https://rateapi.dev/widget-docs)
- [Versioning & Deprecation](https://rateapi.dev/deprecation-policy)
- [GitHub](https://github.com/rate-api)

© 2026 RateAPI | [llms.txt](https://rateapi.dev/llms.txt)

2,693credit unions re-verified dailyas of 2026-09-02

73%of the 3,700+ trackedas of 2026-09-02

49,944live rates tracked right nowas of 2026-09-02

Mortgage RatesAuto Loan RatesHELOC RatesPersonal Loan RatesStudent LoansCredit Card RatesEquipment 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

A markup someone added

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

2.950% best

Best published rate we track: **2.950%**

On $70,000 over 72 months

Auto · used807 credit unions · as of 2026-09-02Where this number comes from78.5% 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 (5.750% across 807 credit unions as of 2026-09-02) as an illustration, and the dollar figures are our arithmetic on it.

A spread nobody showed them

1.42ppbetween the best published offer and the median

Best published rate we track: **5.375%**

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

Mortgage · 30-year fixed442 credit unions · as of 2026-09-02Where this number comes fromMedian 6.790% APR and best published 5.375% are live figures as of 2026-09-02, across the 442 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.

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

{
  "rates": [
    { "lender": "Athens Area Credit Union", "apr": 2.75 },
    { "lender": "Bank Fund Staff Credit Union", "apr": 2.75 }
  ]
}

# median published new-auto APR 5.25% → the best offer saves 2.50pp
```

as_of 2026-09-02 · re-verified daily

3,700+ tracked credit unions. one GET.

## 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

Live API Data

Verified Live

Recently verified **2,693** credit unions in **United States**. Current fixed mortgage APR range is **5.000%**–**8.875%**.

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

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