Build Products That Find the Better Deal
Build products that help people discover, compare, and act on the price of money. RateAPI combines source-backed lending and deposit data from 3,700+ credit unions with institution research, eligibility, branches, calculations, and monitoring.
AI Agents
Build an agent that can verify a financial offer, find a better one, calculate the real cost, and guide the user through the next move.
Mortgage Rate Shopping
Show homebuyers where a quoted mortgage ranks, what better verified offers exist, and how much the difference costs.
Financial Planning
Turn loans, idle cash, and future purchases into whole-balance-sheet recommendations, monitors, and portfolio savings scans.
Car Buying Platforms
Put independent financing beside every vehicle, with true-cost comparisons, membership eligibility, and nearby branches.
Car Brokers & Concierges
Walk into the finance office with the real number. Per-client credit union rates with source evidence — the F&I counter-anchor.
AI Purchase Advisors
Help buyers catch overpriced financing before they sign, then show the verified alternative and the math behind it.
Community Advocates
Rate data for housing counselors and financial educators: zero pay-to-rank, membership paths included, free where it counts.
Personal Finance Apps
Your app knows the user's balances — add the live market and every balance becomes a recommendation: refi savings, purchase plans, yield gaps.
Auto Loan Rate Shopping
Help users compare auto loan rates for new, used, and refinance scenarios.
Auto Refinancing Alerts
Notify users when rates drop below their current auto loan rate. Proactive savings opportunities.
Home Improvement
Power renovation financing calculators with live HELOC rates and home equity options.
Debt Consolidation
Help users find personal loans to consolidate high-interest debt into lower monthly payments.
Balance Transfer
Show users credit card balance transfer offers to reduce interest costs on existing debt.
Membership Eligibility
Check if a user can join a credit union before they apply. Filter to the credit unions they are actually eligible for, with the join path and cost - each verdict backed by evidence from the credit union's own membership page.
Use Cases FAQ
RateAPI powers AI agents, independent rate-shopping products, financial planning and personal-finance apps, car-buying platforms, refinance alerts, competitive intelligence, home-improvement financing, debt consolidation, and balance-transfer tools. It covers consumer lending and deposit products from 3,700+ credit unions, plus institution profiles, eligibility, branches, calculations, history, and monitoring.
Connect the RateAPI remote MCP server to Claude, ChatGPT, VS Code, or another compatible client. Its 74 tools cover lending and deposits, credit union research, membership eligibility, nearby branches, calculations, monitors, portfolios, reports, and campaigns. REST and function calling are also available.
RateAPI covers mortgages, auto loans, RV, boat, motorcycle and powersports loans, HELOCs, personal loans, student and equipment loans, credit cards, savings accounts, money-market accounts, CDs, and IRA CDs across 3,700+ credit unions.
Yes. RateAPI is built for comparison apps. You can query rates across thousands of lenders and rank them to help users find the best available rate for their scenario.
Explore live data by product: mortgage rates, auto loan rates, HELOC rates, and deposit rates. New here? See what RateAPI is or connect via the MCP integration.
Have a different use case?
RateAPI supports consumer lending and deposits, institution research, eligibility, calculations, and automated monitoring. Talk to us about your integration needs.