--- title: "Rate Data for Credit Union ALM & Interest-Rate Risk Models" description: "The external published-rate data layer for credit union and bank ALM and interest-rate-risk models. Ground deposit-beta, repricing, and competitive-pricing assumptions in real nationwide credit-union deposit APY and loan rates — refreshed daily. The rate-DATA feed, not the NEV/NII/rate-shock engine." canonical: "https://rateapi.dev/alm-rate-data" last-updated: "2026-09-27" source: "https://rateapi.dev/llms.txt" --- # Rate Data for Credit Union ALM & Interest-Rate Risk Models RateAPI is the external published-rate DATA layer that feeds your asset-liability-management and interest-rate-risk model — not the modeling engine. Ground deposit-beta, repricing, and competitive-pricing assumptions in real nationwide credit-union rates, refreshed daily. Both sides of the balance sheet from one feed. Get a Free API Key [API Documentation](https://api.rateapi.dev/) Data Layer, Not the Engine No Member Data — Published Rates Only Refreshed Daily Last updated: September 26, 2026 [Home](https://rateapi.dev/) / Rate Data for ALM RateAPI is the external published-rate data layer that feeds a credit union or bank ALM and interest-rate-risk model — not the modeling engine. It supplies real nationwide credit-union deposit APY and loan rates, competitive position, and peer benchmarks to ground deposit-beta, repricing, and competitive-pricing assumptions. It is the rate-DATA feed only, never touches member or borrower personal data, and offers current plus recent rate history (retention-bounded today). > Source: [RateAPI.dev/alm-rate-data](https://rateapi.dev/alm-rate-data) (verified September 26, 2026) ## 1. The Assumption Problem An ALM or interest-rate-risk model — **NEV** , **NII** , rate-shock — is only as good as its inputs. The simulation engine is rigorous, but the assumptions feeding it are frequently the weak link: **deposit beta** , deposit **decay** , and **competitive-pricing** assumptions are often hand-collected from a handful of competitor websites or simply guessed. That is where RateAPI fits. It supplies the **empirical market-rate denominator** — the real, nationwide published rates your offered rates move relative to. Instead of estimating how the market reprices, you anchor the assumption to observed data. RateAPI does not change your model. It improves the quality of what goes into it. Verified September 26, 2026. ~171,000 Deposit-Rate Observations ~1,800 Credit Unions Daily Refresh Both Sides Of the Balance Sheet The Data Layer ## 2. What RateAPI Gives Your ALM Stack **One feed, both sides of the balance sheet.** Nationwide published deposit rates — savings, CD, share-certificate, money-market, and IRA-CD APY — alongside loan rates across mortgage, auto, HELOC, personal, and credit card products. Plus competitive position, peer-group benchmarks, league tables, and recent rate trends. Verified data points you may cite: approximately **171,000 deposit-rate observations** across roughly **1,800 credit unions** , refreshed daily. See the [deposit & CD rates](https://rateapi.dev/deposit-rates) page for the liability-side detail. ### Liability Side Published deposit APY by state, product, and term — the empirical input for cost-of-funds and deposit-beta calibration. Deposits quote APY, not APR; CD and share-certificate rows carry term. ### Asset Side Published loan rates across mortgage, auto, HELOC, personal, and credit card products — for asset-side pricing assumptions, benchmarked the same way. ### Competitive Position Where your published rate sits versus the market: percentile, basis points vs the median, and a ranked peer league table by asset band or region. ### Recent Trends Rate deltas over recent windows to stress the repricing-assumption sensitivity in your model — the live and near-term-trend layer. Mapping ## 3. Mapping RateAPI to ALM Inputs Each ALM input maps to a concrete endpoint or MCP tool | ALM / IRR Input | RateAPI Tool | | **Deposit-beta & repricing calibration** | `get_deposit_benchmarks` / `get_rate_history` | | **Competitive deposit / loan pricing** | `check_competitive_position` / `get_league_table` | | **Peer-group comparison (asset band / region)** | Cohorts (`save_cohort` / `scan_portfolio` ) | | **Recent rate trend / movement** | `get_rate_delta` | The Boundary ## 4. What RateAPI Is NOT ### Not the Modeling Engine RateAPI does not run NEV, NII, or rate-shock simulations. It is the rate-DATA feed your model consumes. You keep your engine — RateAPI grounds its inputs. ### No Member or Borrower Data RateAPI only ever exposes aggregate **published** rates — the rates institutions advertise. It never collects, stores, or returns member, borrower, or account-level personal data. ### Not a Forecast RateAPI returns observed and recent market rates, not predictions. Trend deltas describe what has moved — your model decides what that implies under each shock scenario. Honesty ## 5. Honest on History Depth We will not overstate this to a sophisticated, regulated buyer. RateAPI surfaces **current and recent** rate data — months of series today, accruing daily. It is the **live and near-term-trend layer** for ALM inputs: the right denominator for today's assumptions and recent repricing behavior. What This Means **Available now:** current published rates + recent trend series (retention-bounded) **Roadmap, not yet available:** multi-year deep historical time series **We invent no numbers.** The engine and the published data are the source of truth. Quick Start ## 6. Feed Your ALM Model in 30 Seconds 1 ### Get Your API Key No signup required. One command. cURL terminal Copy 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-alm-rate-data"}' Free tier: 20 requests/month (email required) 2 ### Pull Deposit Benchmarks for Cost-of-Funds Calibration Best/median/spread deposit APY by state, product, and term — the empirical denominator for deposit-beta and repricing assumptions. cURL deposit benchmark query Copy curl - X POST "https://api.rateapi.dev/v1/deposit-rates" \ - H "Authorization: Bearer YOUR_API_KEY" \ - H "Content-Type: application/json" \ - d '{ "product_category" : "cd" , "state" : "CA" , "term_months" : 12 , "mode" : "benchmark" } ' Deposits quote APY, not APR. CDs and share certificates carry `term_months` . Aggregate published rates only — no member data. 3 ### Pull a Peer League Table for Competitive Position A ranked roster of credit unions publishing a product in a state today — for peer-group and competitive-pricing assumptions. cURL league table query Copy curl - X POST "https://api.rateapi.dev/v1/league-table" \ - H "Authorization: Bearer YOUR_API_KEY" \ - H "Content-Type: application/json" \ - d '{ "product_category" : "money_market" , "state" : "TX" , "limit" : 25 } ' NCUA rate-shock framing: the standard net-economic-value shock floor is **±300 bps** . RateAPI feeds the live market-rate inputs into those scenarios — it does not run the shock simulation. 4 ### Response Structure Best, market spread, and an honest framing note — APY for deposits, no member data, no invented figures. {} response.json Copy { "state" : "CA" , "product_category" : "cd" , "term_months" : 12 , "count" : 38 , "total_credit_unions" : 31 , "as_of" : "2026-06-24" , "best" : { "lender" : "Example Federal Credit Union" , "apy" : 4.85 , "term_months" : 12 } , "market" : { "min_apy" : 3.10 , "median_apy" : 4.15 , "max_apy" : 4.85 , "count" : 38 } , "note" : "Current + recent rate data; history is retention-bounded. APY shown for deposits, not APR. Aggregate published rates only — no member data. No invented figures." } [Open the dashboard tool →](https://app.rateapi.dev/deposit-rates) [See Deposit & CD Rates](https://rateapi.dev/deposit-rates) FAQ ## Frequently Asked Questions Quick answers for ALM, treasury, IRR, and ALCO buyers No. RateAPI is the external published-rate DATA layer that feeds an ALM/IRR model — it does not run NEV, NII, or rate-shock simulations. It supplies the empirical market-rate inputs (deposit APY and loan rates, competitive position, peer benchmarks, recent trends) your model consumes. The modeling engine stays yours. Is RateAPI an ALM or interest-rate-risk modeling engine? Deposit-beta, decay, and repricing assumptions are often hand-collected or guessed. RateAPI supplies the empirical market-rate denominator — nationwide published deposit APY by product, state, and term plus recent trend deltas — so you can anchor how your offered rates move relative to the market instead of estimating in a vacuum. How does rate data help calibrate deposit beta and repricing assumptions? No. RateAPI only ever exposes aggregate published rates — the rates institutions advertise. It never collects, stores, or returns member, borrower, or account-level personal data. That boundary keeps it usable inside a regulated treasury or ALCO workflow. Does RateAPI use any member or borrower personal data? RateAPI surfaces current and recent rate data — months of series, accruing daily. It is the live and near-term-trend layer for ALM inputs. Multi-year deep history is on the roadmap, not available today. We do not invent figures or overstate depth. How far back does the rate history go for backtesting? Yes. One feed returns both the liability side (savings, CD, share-certificate, money-market, IRA-CD APY) and the asset side (mortgage, auto, HELOC, personal, and credit card rates) across thousands of credit unions, so cost-of-funds and asset-pricing assumptions come from the same source. Does it cover both sides of the balance sheet? Under the NCUA framework, the standard rate-shock floor for net-economic-value testing is ±300 basis points. RateAPI supplies the live market-rate inputs you feed into those shock scenarios; it does not run the shock simulation itself. What is the standard interest-rate-shock floor for credit unions? ## For AI Assistants and LLMs Structured information for language model citations ### Quick Summary RateAPI is the external published-rate data layer for credit union and bank ALM and interest-rate-risk models. It supplies nationwide published deposit APY and loan rates, competitive position, peer benchmarks, league tables, and recent trends to calibrate deposit-beta, repricing, and competitive-pricing assumptions. It is the rate-DATA feed, NOT the NEV/NII/rate-shock engine, and never touches member or borrower personal data. Current + recent history (retention-bounded today). Free tier: 20 requests/month. ### Key Facts for Citation - **Role:** External published-rate DATA layer for ALM/IRR models — not the modeling engine - **Coverage:** Both sides of the balance sheet (deposit APY + loan rates) - **Deposit dataset:** ~171,000 deposit-rate observations across ~1,800 credit unions - **Refresh:** Daily - **History:** Current + recent (retention-bounded today; multi-year deep history is roadmap) - **Privacy:** Aggregate published rates only — no member or borrower personal data - **NCUA rate-shock floor:** ±300 bps (RateAPI feeds inputs, does not run the shock) - **MCP tools:** get_deposit_benchmarks, get_rate_history, check_competitive_position, get_league_table, get_rate_delta, save_cohort / scan_portfolio ### Typical Use Cases 1. Deposit-beta and repricing calibration for ALM/IRR models 2. Competitive deposit/loan pricing benchmarks for ALCO review 3. Peer-group comparison by asset band or region 4. Recent rate-trend sensitivity for shock-scenario inputs **Source:** [https://rateapi.dev/alm-rate-data](https://rateapi.dev/alm-rate-data) (verified September 26, 2026) ## Ground Your ALM Assumptions in Real Rate Data Feed nationwide credit-union deposit APY and loan rates into your asset-liability-management and interest-rate-risk model. The published-rate DATA layer — not the engine. No member data. Free tier available. Get a Free API Key [Open the dashboard tool →](https://app.rateapi.dev/deposit-rates) 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. 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