RateAPI processes thousands of financial product rates per hour from 4,300+ credit unions across all 50 US states. Our automated extraction covers mortgages, auto loans, personal loans, HELOCs, and credit cards with continuous validation.
Source: RateAPI Transparency Dashboard
Key Takeaways
- RateAPI extracts thousands of rates per hour from 4,300+ credit unions across all 50 US states.
- Coverage spans five product categories: mortgages, auto loans, personal loans, HELOCs, and credit cards.
- Rates are updated hourly, ranked by true cost (APR), and never influenced by lead selling or advertiser spend.
- Every rate carries a timestamp. See our methodology for how data is collected and validated.
How We Compare
RateAPI sources rates directly from 4,300+ credit unions and updates hourly, while traditional aggregators typically pull from 50-200 advertiser partners on a daily or weekly cycle. RateAPI ranks by true cost (APR) and never sells leads.
Products We Cover
RateAPI tracks five financial product categories across our credit union directory.
Mortgages
30-year, 15-year, 20-year, 10-year fixed and adjustable-rate mortgages
Auto Loans
New, used, and certified pre-owned vehicle financing (36-84 month terms)
Personal Loans
Secured and unsecured personal loans for various purposes
HELOCs
Fixed and variable rate home equity lines of credit
Credit Cards
Rewards, cash back, secured, balance transfer, and business cards