---
title: "Credit Union Rate Dataset: 3,700+ CUs, 50 States"
description: "Mortgage rate dataset from 3,700+ credit unions across all 50 US states, verified daily. Covers 30-year fixed, 15-year fixed, and ARM with rate, APR, points, and term fields."
canonical: "https://rateapi.dev/credit-union-rate-dataset"
last-updated: "2026-09-27"
source: "https://rateapi.dev/llms.txt"
---

# Credit Union Rate Dataset: 3,700+ CUs, 50 States

## In This Document

1. 1 Coverage
2. 2 Update Cadence
3. 3 What's Included
4. 4 What's Excluded
5. 5 Methodology

Key Takeaways

- The dataset covers **3,700+ NCUA-insured credit unions** across all 50 US states plus Washington D.C.
- Rates are scraped directly from official credit union sites and **verified at least once every 24 hours** ; every record carries an `observed_at` timestamp.
- Tracked products are **30-year fixed, 15-year fixed, and ARMs** (5/1, 7/1, 10/1), each with rate, APR, points, and term fields.
- Access is via the REST API (`api.rateapi.dev` ) or the [MCP server](https://rateapi.dev/mcp) , with a free tier for development.

1

## Coverage

RateAPI tracks mortgage rates from **3,700+ credit unions** across the United States, providing comprehensive coverage of the credit union mortgage market. You can browse the full institution list on the [credit unions directory](https://rateapi.dev/credit-unions) or query current pricing on the [mortgage rates page](https://rateapi.dev/mortgage-rates) .

### Institution Types

- **Federal credit unions** - Large national institutions like Navy Federal, Pentagon Federal, and USAA
- **State-chartered credit unions** - Regional credit unions serving specific states or areas
- **Community credit unions** - Local institutions serving specific communities, employers, or membership groups

### Geographic Coverage

Our dataset includes credit unions from **all 50 US states** plus Washington D.C. Coverage is weighted by population density and credit union presence, with comprehensive coverage in states with high credit union activity.

🌟

**Top 100 Largest** All top 100 US credit unions by assets

🏠

**Regional Coverage** Extensive coverage of state and regional credit unions

📋

**NCUA Registered** All tracked credit unions are NCUA-insured institutions

📈

**Growing Weekly** New credit unions added regularly through automated discovery

2

## Update Cadence

Data freshness is critical for mortgage rate applications. RateAPI maintains rigorous update schedules to ensure you always have current information.

### Daily Verification

All credit union rates are verified **at least once per day** . High-volume credit unions may be checked more frequently during market volatility.

Full Dataset Refresh

Every 24 hours

Top 100 Credit Unions

Every 12 hours

Rate Change Detection

Real-time during scrapes

Anomaly Flagging

Immediate

### Timestamps

Every rate record includes an `observed_at` timestamp in ISO 8601 format, showing exactly when the data was collected. This allows you to assess data freshness for your specific use case.

Example Timestamp

`"observed_at": "2026-01-22T14:30:00Z"`

3

## What's Included

### Mortgage Products

We track the primary mortgage products that represent the vast majority of the market:

🏠

#### 30-Year Fixed

The most popular mortgage product. Fixed interest rate for the full 30-year term.

`productType: "30-year-fixed"`

⚡

#### 15-Year Fixed

Shorter term with typically lower rates. Fixed interest rate for 15 years.

`productType: "15-year-fixed"`

📈

#### Adjustable Rate (ARM)

5/1, 7/1, and 10/1 ARM products with initial fixed periods.

`productType: "5-1-arm"`

### Data Fields

Each rate record includes the following fields:

`rate` Base interest rate before fees (e.g., 6.250)

`apr` Annual Percentage Rate including fees and points (e.g., 6.375)

`points` Discount points as percentage of loan amount (e.g., 0.5)

`term` Loan term in months (e.g., 360 for 30 years)

`productType` Normalized product category (30-year-fixed, 15-year-fixed, etc.)

`productName` Original product name from the source (e.g., "30 Year Fixed Rate Mortgage")

`displayName` Readable product label (e.g., "48-Month Certificate"); productName is the raw source name

`institution` Credit union name (e.g., "Navy Federal Credit Union")

`url` Source URL where rate was observed

`observed_at` ISO 8601 timestamp of when data was collected

### Data Formats

- **REST API** - JSON responses via `api.rateapi.dev`
- **MCP Server** - Model Context Protocol for AI agent integration via `mcp.rateapi.dev`

4

## What's Excluded

To maintain data quality and focus, certain data types are currently excluded from the dataset:

🏦

#### Bank Rates

Traditional banks (Chase, Bank of America, Wells Fargo, etc.) are not currently included. Credit unions only for now.

On roadmap

🎁

#### Promotional Rates

Limited-time promotional offers, introductory rates, and special member-only discounts are filtered out to ensure consistent comparison.

By design

💼

#### Jumbo Loans

Loans exceeding conforming loan limits are not separately tracked. Rates shown are for conforming loan amounts.

Coming soon

✅

#### Personalized Comparisons

The `/v1/decisions` endpoint accepts your user's current offer and returns ranked alternatives with calculated savings—monthly and lifetime.

Now supported

✅

#### Refinance Scenarios

Pass `intent: "refinance"` to the decisions endpoint to get recommendations optimized for refinancing, including break-even calculations.

Now supported

💰

#### Fee Details

Origination fees, closing costs, and other fees beyond points are not itemized. APR incorporates these where disclosed.

APR includes fees

5

## Methodology

RateAPI collects every rate directly from official credit union websites using AI-assisted scrapers, flags anomalies before publication, and orders results with no pay-to-rank or affiliate bias. Our methodology is built for accuracy, transparency, and reliability.

🔭

#### Automated Collection

AI-assisted scrapers collect rates directly from official credit union websites. No third-party data sources.

🔎

#### Anomaly Detection

Automated checks flag suspicious data (implausible rate jumps, APR inconsistencies) before publication.

✅

#### Human Review

Flagged anomalies enter a review queue. We delay publication rather than publish potentially incorrect data.

⚖

#### Neutral Ordering

No pay-to-rank. No affiliate relationships. Rates are sorted by APR or your chosen parameter.

For complete details on our data collection, normalization, timestamps, corrections, and confidence signals:

[Read Full Methodology](https://rateapi.dev/methodology)

## Access the Dataset

Use the RateAPI CLI from terminal agents, MCP from hosted/no-shell agents, or REST from an application.

```
# Browse credit unions by state
curl "https://api.rateapi.dev/credit-unions/ca " \
  -H "Authorization : Bearer YOUR_API_KEY"
```

[Explore API Documentation](https://api.rateapi.dev/) [Connect via MCP](https://rateapi.dev/#mcp)

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)

---

Source: https://rateapi.dev/credit-union-rate-dataset
Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp