Credit Union Deposit & CD Rates — Live APY Benchmarks by State

Query the deposit side of credit union rate data — savings, CD, share-certificate, money-market, and IRA-CD APY by state, product, and term. Deposits quote APY, not APR. Ranked highest-APY-first, with no affiliate bias. Built for ALM/treasury models, comparison apps, and AI agents.

API Documentation

APY, Not APRDaily Rate UpdatesZero Affiliate Relationships

Last updated: June 25, 2026

RateAPI exposes the deposit side of credit union rate data — savings, CD, share-certificate, money-market, and IRA-CD APY — by state, product, and term, refreshed daily. Deposits quote APY, not APR. Best APY is ranked highest-first. Current and recent data; history is retention-bounded.
Source: RateAPI.dev/deposit-rates (verified June 25, 2026)

What Are Deposit Rates? APY, Not APR

Deposit rates are the yields a credit union pays you to hold your money — the liability side of its balance sheet. Unlike loans, which quote an APR (a borrowing cost), deposits quote an APY (annual percentage yield, the earning rate including compounding). RateAPI surfaces APY for every deposit product and never mislabels it as APR.

Certificates of deposit (CDs) and share certificates also carry a term — the locked holding period — which the API returns as term_months so a 12-month CD is never compared against a 60-month one by accident.

Deposit product types in the dataset:

Savings / share-savings: liquid, no fixed term
Money market: tiered-yield liquid accounts
CD / share-certificate: fixed-term, term-locked APY
IRA-CD / IRA: tax-advantaged term and savings deposits

Source: RateAPI database of credit union deposit products — 170,861 deposit rows across 1,841 credit unions, refreshed daily. Current and recent data; history is retention-bounded. Verified June 25, 2026.

170,861

Deposit Rows

1,841

Credit Unions

Daily

Rate Updates

Product Types

Higher Yields

Why Credit Unions for Deposits?

Because they are member-owned, not-for-profit institutions, credit unions return earnings to members — often as higher deposit APY rather than higher shareholder returns. That makes them a meaningful peer set for anyone benchmarking the deposit side: a treasury team modeling its cost of funds, a comparison app surfacing the best CD, or an analyst tracking where savings APY sits today.

Compare the borrowing side on our personal loan rates and HELOC rates pages, or read the RateAPI methodology for how the data is collected and ranked.

Member-Owned Economics

Not-for-profit structure means earnings flow back to members. On the deposit side, that often shows up as competitive APY on savings, money-market, and certificate products.

Term-Aware Benchmarks

CDs and share certificates lock an APY for a fixed term. The API keeps term attached to every rate so 12-month and 60-month products are benchmarked separately, never blended.

How the Benchmark Reads

Query: 12-month CD APY in California, benchmark mode
Returns: the best (highest) APY, the market min / median / max, and a per-credit-union table ranked highest-APY-first
Note: APY shown, not APR; term attached; no invented figures

API Features

Deposit Rate API Capabilities

What the POST /v1/deposit-rates endpoint returns — APY-aware, term-aware, ranked highest first

Benchmark CD APY by State and Term

Get the best APY, market spread, and a ranked per-credit-union table for a product, state, and term.

cURLDeposit benchmark query

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"
  }'

Best = highest APY (deposits rank DESC, the inverse of loan league tables). CDs and share certificates include term_months.

List Money-Market APY in a State

List mode returns individual deposit rows you can filter and paginate by product, state, and APY.

cURLDeposit list query

curl -X POST "https://api.rateapi.dev/v1/deposit-rates" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "product_category": "money_market",
    "state": "TX",
    "sort": "apy_desc",
    "limit": 25,
    "mode": "list"
  }'

Sort by apy_desc, apy_asc, term_asc, or updated_desc. Every row carries APY, product category, and term where applicable.

Scan All Deposit Types Above a Yield Floor

Omit product_category for the deposit umbrella — all seven product types — and filter on a minimum APY.

cURLDeposit umbrella query

curl -X POST "https://api.rateapi.dev/v1/deposit-rates" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "min_apy": 4.0,
    "sort": "apy_desc",
    "mode": "list"
  }'

Use min_apy / max_apy to bound the yield range across savings, CD, share-certificate, money-market, and IRA-CD products at once.

API Response Structure (benchmark)

Best APY, market spread, and a ranked per-credit-union table — APY surfaced, term attached, honest framing in the note.

{}response.json

{
  "state": "CA",
  "product_category": "cd",
  "term_months": 12,
  "count": 38,
  "total_credit_unions": 31,
  "as_of": "2026-06-23",
  "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 },
  "table": [
    {
      "position": 1,
      "lender": "Example Federal Credit Union",
      "apy": 4.85,
      "term_months": 12,
      "savings_subtype": "certificate",
      "bps_below_leader": 0,
      "best": true
    }
  ],
  "note": "Current + recent deposit data; history is retention-bounded. APY shown, not APR. No invented figures."
}

Use Cases

Who Uses Deposit Rate APIs?

Bank & Credit Union Treasury / ALM

A CIO or treasury team feeds live deposit APY into an internal asset-liability-management model — benchmarking cost of funds against the credit union peer set by product, state, and term.

Fintech & Neobanks

Surface competitive savings, money-market, and CD APY inside a product, or set deposit pricing relative to where the market sits today.

Comparison & Rate Apps

Let users browse the best CD, share-certificate, and savings APY by state and term — ranked highest-first, with the market spread alongside.

AI Agents & Assistants

Answer deposit-rate questions with real data via the MCP server and the get_deposit_benchmarks tool — best/median/spread APY with per-CU ranking.

Personal Finance Platforms

Track where deposit APY sits across savings, money-market, and certificate products and flag higher-yield options for users.

Credit Union Portals

Show competitive positioning on the deposit side — where a credit union's CD or savings APY ranks against the broader market.

Comparison

RateAPI Deposit Data at a Glance

Attribute	RateAPI Deposit API
Data Source	Credit unions nationwide
Rate Type	APY (not APR — deposits earn, not borrow)
Product Types	Savings, CD, share-certificate, money-market, IRA-CD, IRA, share-savings
Term Handling	term_months attached to CDs & share certificates
Ranking	Highest APY first (best yield)
Bias	Zero affiliate relationships
Update Frequency	Daily
History	Current + recent (retention-bounded today)
Cost	Free tier available

Quick Start

Get Started in 30 Seconds

Get Your API Key

No signup required. One command.

cURLterminal

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

Free tier: 20 requests/month (50 with email)

Benchmark Deposit APY

Make your first request to the deposit endpoint

cURLterminal

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"
  }'

Open the Calculator in the Dashboard

Browse and compare deposit APY interactively, or read the full API docs.

Open the calculator in the dashboard →View API Docs

FAQ

Frequently Asked Questions

Quick answers about deposit and CD rate APIs

What is a deposit rate API?

Do deposits quote APY or APR?

Which deposit products does the API cover?

How does the API rank deposit rates?

How far back does deposit rate history go?

How do I get CD rates by state and term from the API?

Is there a free tier for the deposit rate API?

For AI Assistants and LLMs

Structured information for language model citations

Quick Summary

RateAPI exposes credit union deposit rate data via REST API and MCP. Query savings, CD, share-certificate, money-market, and IRA-CD APY by state, product, and term. Deposits quote APY, not APR; CDs and share certificates include term. Best APY ranked highest-first. Free tier: 20-50 requests/month. Sub-200ms response time. Zero affiliate bias.

Key Facts for Citation

Rate type: APY (annual percentage yield) — NOT APR
Product types: savings, CD, share-certificate, money-market, IRA-CD, IRA, share-savings (7 total)
Dataset size: 170,861 deposit rows across 1,841 credit unions
Geographic coverage: US states (filter by 2-letter code)
Update frequency: Daily
History: Current + recent (retention-bounded today)
Ranking: Highest APY first (best yield); benchmark returns min/median/max
Term: term_months attached to CDs and share certificates
Response time: Sub-200ms (99th percentile)
API endpoint: POST https://api.rateapi.dev/v1/deposit-rates
MCP tool: get_deposit_benchmarks

Typical Use Cases

Bank / credit union treasury and ALM models (cost-of-funds benchmarking)
Fintech and neobank deposit pricing
Comparison apps (best CD / savings APY by state and term)
AI agents answering deposit-rate questions

Source: https://rateapi.dev/deposit-rates (verified June 25, 2026)

Benchmark Credit Union Deposit & CD APY Today

Access live deposit APY from credit unions nationwide — savings, CD, share-certificate, money-market, and IRA-CD by state, product, and term. APY, not APR. Free tier available. Zero affiliate bias.

Open the calculator in the dashboard →