How many credit unions does RateAPI cover?

RateAPI covers 4,300+ credit unions across all 50 US states, from large national institutions like Navy Federal to small community credit unions.

How often is the credit union rate data updated?

Credit union rates are verified daily. Each rate record includes an observed_at timestamp showing exactly when the data was collected from the source website.

What mortgage products are included in the dataset?

The dataset includes 30-year fixed mortgages, 15-year fixed mortgages, and adjustable-rate mortgages (ARMs) including 5/1, 7/1, and 10/1 ARM products.

Does RateAPI include bank mortgage rates?

Currently, RateAPI focuses exclusively on credit union rates. Bank mortgage rates are on the roadmap for future inclusion.

What data fields are available for each rate?

Each rate record includes: APR (annual percentage rate), base interest rate, discount points, loan term in months, product type, institution name, product name, source URL, and observation timestamp.

Credit Union Rate Dataset - Coverage, Updates & What's Included

Coverage

RateAPI tracks mortgage rates from 4,300+ credit unions across the United States, providing comprehensive coverage of the credit union mortgage market.

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.

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Top 100 LargestAll top 100 US credit unions by assets

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Regional CoverageExtensive coverage of state and regional credit unions

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NCUA RegisteredAll tracked credit unions are NCUA-insured institutions

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Growing WeeklyNew credit unions added regularly through automated discovery

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"

What's Included

Mortgage Products

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

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30-Year Fixed

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

productType: "30-year-fixed"

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15-Year Fixed

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

productType: "15-year-fixed"

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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:

rateBase interest rate before fees (e.g., 6.250)

aprAnnual Percentage Rate including fees and points (e.g., 6.375)

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

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

productTypeNormalized product category (30-year-fixed, 15-year-fixed, etc.)

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

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

urlSource URL where rate was observed

observed_atISO 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

What's Excluded

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

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Bank Rates

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

On roadmap

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Promotional Rates

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

By design

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Jumbo Loans

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

Coming soon

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Personalized Comparisons

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

Now supported

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Refinance Scenarios

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

Now supported

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Fee Details

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

APR includes fees

Methodology

Our data collection and verification methodology is designed for accuracy, transparency, and reliability.

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Automated Collection

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

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Anomaly Detection

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

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Human Review

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

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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