New · SMS
Text us for rates.
Text a question in plain English and our AI assistant replies with current rate data from US credit unions — or sets up a rate-drop alert if that's what you need.
01 · What it looks like
A real conversation
02 · What you can ask
Questions the bot handles
"best 30yr in CA for $400k, 740 fico"
Personalized rate recommendations across mortgage, auto loan, HELOC, personal loan, and credit card products — ranked by APR with monthly payment estimates.
"typical 15yr rate in FL right now?"
Min, median, and max rates across our full credit union dataset, filtered by product and state.
"alert me if 30yr drops below 5.5% in CA"
Tell the bot your threshold. It confirms back, then sends one SMS when the condition is crossed. Opt out cancels all your alerts.
"what lenders are in Texas?"
Pulls from our directory of 4,300+ US credit unions — directory, rate coverage, and membership criteria where available.
03 · How it works
AI agent + live rate data
You text a question
Your message hits our webhook, is verified, and is queued for processing.
Claude picks the right tool
An agent running on Claude chooses the right RateAPI tool — rate lookup, benchmark, alert creation — and calls it.
You get a concise reply
The result is summarized for SMS (under 300 characters, no markdown) and sent back. Typically in ~10 seconds.
Privacy & consent
- You opt in by texting us. We never contact numbers that haven't reached out first.
- Reply STOP anytime to opt out of all messages and cancel any alerts you've set up.
- No marketing. We only send direct replies to your questions and the alerts you explicitly requested.
- Rates are public data. Sourced from credit union public websites. See our methodology.
Full details on the SMS consent & opt-in policy page. Message & data rates may apply.
Ready to try it?
Text +1 (478) 324-8226 with a rate question. First reply in about 10 seconds.
Text +1 (478) 324-8226