---
title: "Credit Union Deposit & CD Rates"
description: "Live credit union deposit and CD rate benchmarks — savings, CD, share-certificate, money-market, and IRA-CD APY by state, product, and term. Updated daily. Deposits quote APY, not APR. Zero affiliate bias."
canonical: "https://rateapi.dev/deposit-rates"
last-updated: "2026-09-27"
source: "https://rateapi.dev/llms.txt"
---

# 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.

Get a Free API Key [API Documentation](https://api.rateapi.dev/)

APY, Not APR Daily Rate Updates Zero Affiliate Relationships

Last updated: September 26, 2026

[Home](https://rateapi.dev/) / Deposit & CD Rates

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](https://rateapi.dev/deposit-rates) (verified September 26, 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:](https://rateapi.dev/savings-rates)** liquid, no fixed term
- **[Money market:](https://rateapi.dev/money-market-rates)** tiered-yield liquid accounts
- **[CD:](https://rateapi.dev/cd-rates)** fixed-term, term-locked APY
- **Share-certificate:** the credit-union certificate equivalent, queried separately from exact CD rows
- **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 September 26, 2026.

170,861

Deposit Rows

1,841

Credit Unions

Daily

Rate Updates

7

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](https://rateapi.dev/personal-loan-rates) and [HELOC rates](https://rateapi.dev/heloc-rates) pages, or read the [RateAPI methodology](https://rateapi.dev/methodology) for how the data is collected and ranked. Building on the data? See the [deposit rate API guide](https://rateapi.dev/what-is-deposit-rate-api) .

### 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.

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"

} '

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.

cURL Deposit list 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" : "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.

cURL Deposit umbrella query

Copy

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

Copy

{

"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](https://rateapi.dev/mcp) 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

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-deposit-rates"}'

Free tier: 20 requests/month (email required)

2

### Benchmark Deposit APY

Make your first request to the deposit endpoint

cURL terminal

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"

} '

3

### Open the Calculator in the Dashboard

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

[Open the calculator in the dashboard →](https://app.rateapi.dev/deposit-rates) [View API Docs](https://api.rateapi.dev/)

FAQ

## Frequently Asked Questions

Quick answers about deposit and CD rate APIs

A deposit rate API provides programmatic access to the liability side of credit union rates — savings, certificate-of-deposit (CD), share-certificate, money-market, and IRA-CD products. RateAPI returns structured deposit data including APY, product category, and term (for CDs and share certificates), benchmarked by state and product.

What is a deposit rate API?

Deposits quote APY (annual percentage yield), not APR. APR is a borrowing concept for loans. RateAPI surfaces APY for every deposit product and never mislabels it as APR. CDs and share certificates also carry a term, which the API returns as term_months.

Do deposits quote APY or APR?

Seven deposit product types: savings, CD, share-certificate, money-market, IRA-CD, IRA, and share-savings. The dataset covers 170,861 deposit rows across 1,841 credit unions, refreshed daily.

Which deposit products does the API cover?

Deposits are ranked by APY, highest first — the inverse of loan league tables, where the lowest cost wins. In benchmark mode the API returns the best (highest) APY, the market min/median/max, and a per-credit-union table with basis points below the leader.

How does the API rank deposit rates?

The deposit API surfaces current and recent data. Historical depth is retention-bounded today — the endpoint is built for live benchmarking and ALM/treasury comparison, not long-range time series. We do not invent figures.

How far back does deposit rate history go?

Send a POST request to https://api.rateapi.dev/v1/deposit-rates with product_category "cd", a state (e.g. "CA"), a term_months value (e.g. 12), and mode "benchmark". The API returns the best APY, market spread, and a ranked per-credit-union table for that product, state, and term.

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

Yes. RateAPI offers a free tier with 20 API requests per month (email required). No credit card required. Response time is sub-200ms even on the free tier.

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 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

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

**Source:** [https://rateapi.dev/deposit-rates](https://rateapi.dev/deposit-rates) (verified September 26, 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 →](https://app.rateapi.dev/deposit-rates) Get a Free API Key

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[Get API key →](https://rateapi.dev/api-key) [Sign in](https://app.rateapi.dev)

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### Inspect the data behind the API

Public data explorer

- [Current mortgage rates](https://rateapi.dev/current-mortgage-rates)
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- [Credit union rate index](https://rateapi.dev/credit-union-rate-index)
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- [Credit unions vs banks: mortgage](https://rateapi.dev/compare/credit-union-vs-bank-rates)
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- [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)

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---

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