Lending APR + deposit APY · re-verified daily
Financial rate data and decisioning. One API.
Daily-verified rates from 3,700+ US credit unions and lenders. Power discovery across mortgages, vehicle and equipment financing, savings accounts, CDs and more—then compare supported quotes, rank alternatives and calculate dollar savings.
Try the no-signup quote checker →
/v1/rates serves lending data and /v1/deposit-rates serves deposit APY. For supported financing products, POST /v1/decisions ranks alternatives and calculates savings; POST /v1/rate-sanity-check shows where a quoted rate sits.
POST /v1/decisions
{
"decision_type": "financing",
"context": { "geo": { "state": "TX" } },
"product_request": {
"product_type": "auto_loan",
"amount": 70000,
"term_months": 72
},
"current_offer": { "apr": 6.88 }
}
200 OK → { "summary": { "estimated_savings": { ... } }, "actions": [ ... ] }See the lending markup and rate-spread evidence
A markup someone added
+1.13ppadded on top of the lender's buy rate, on average
Best published rate we track: 2.500%
On $70,000 over 72 months
$38$2,703
Where this number comes from
78.5% of dealer-originated loans carry a markup, and roughly 89% of purchase auto loans are arranged at the dealership — in the largest study of the practice (Grunewald, Lanning, Low & Salz, 2023: prime borrowers, loans originated 2010–2014, not a measurement of today's market). The paper measures markup over a lender's buy rate; we apply that average to our live median as an illustration, and the dollar figures are our arithmetic on it.A spread nobody showed them
0.88ppbetween the median offer and the top-decile offer
Best published rate we track: 5.000%
On $400,000 over 30 years
$228$82,247
Where this number comes from
Median 6.649% APR and best published 5.000% are live figures read on 2026-07-28; institution counts move as lenders are re-read. The 0.88pp top-decile spread is our own computation across live 30-year fixed offers in the states we track — it isn't a field the API returns. “Best published” is the lowest rate a lender advertises, not a rate anyone is guaranteed: eligibility, credit profile and membership requirements still apply.See it work
Explore a decision response.
Run the same decision contract your integration uses across supported financing products. Live results are identified explicitly; illustrative examples are always labeled as samples.
POST /v1/rate-sanity-check.Loading the interactive decision demo…
Explore the API
Choose the surface for your job.
Beyond the rate
Find a credit union worth joining.
Rates are still the starting point. Now you can also compare who the credit union serves, where it has branches, how large it is, and which relationship services it reports—using the latest NCUA quarterly filing alongside published membership rules.
Loading credit union discovery…
Why this is hard
3,700+ institutions. Zero warnings.
Anyone can compute a percentile. Almost nobody has 3,700+ institutions to compute it against — every rate every lender publishes right now, same product, same state, same day. For a used-car loan over 60 months in Texas that list is 129 credit unions.
Getting it is the hard part. Lenders publish in HTML tables, rate-sheet PDFs, third-party iframes, card grids, merged cells, tiered grids keyed to credit score and term — and none of them tell you when a page changes.
A broken scraper doesn't throw. A lender moves a div and your parser returns nothing, or the column next to the one you wanted, which is worse, because now you have a number and it's wrong. Nothing goes red. You serve it until a human looks.
It isn't a dataset you buy once. It's thousands of sources you keep alive forever. How we collect and verify →
Why you can trust it
Rankings nobody can buy.
Every rate carries its URL, its timestamp and the snippet it was parsed from. Responses carry an as_of date, so you can check the claim in the data instead of taking this page's word for it. What proof covers today →
Lenders can pay to see where they rank. Nobody, at any price, can pay to move. A surface funded by the lenders it compares will surface the lenders who can afford it — so borrower-side placement revenue is permanently off limits. Not “not currently.” Never.
It's also why the coverage is good: the credit unions with the sharpest rates have no marketing budget, and inclusion was never for sale.
Headline APR can't tell you which of these is cheaper. It depends entirely on how long the loan is held.
Crossover is at about four years. We rank on APR plus points plus fees over the term you give us — which is why a single headline APR cannot rank these at all.
Delivery
Three ways in.
Same data, same ranking, same refusal to sell placement.
Embed it
In your product
Query lending APR with /v1/rates, deposit APY with /v1/deposit-rates, or ranked financing alternatives with /v1/decisions. Every surface is also available through MCP.
Display these rates to your own users, in your own product, under your own brand — no attribution required. What you may not do is resell the raw feed or redistribute bulk exports as a dataset. Full terms →
Send it
Under your own brand
Branded rate emails with your logo and colours, saved client scenarios, and printable ranked reports. No code, no integration.
Built for loan officers, brokers and advisors who need the answer in front of a client rather than inside an app.
See branded client tools →Check one
Right now, free
Paste in a rate — a client's, a prospect's, your own test case — and see where it sits against the live market, which lenders beat it, and what the membership requirements are.
No account, no card, nothing stored. It runs the same quote-sanity contract available to API clients.
Check a quote →Pricing
Free: 20 requests a month, email only, no card. Pro: $49/month for 100 requests with priority support. Enterprise: unlimited, uncapped result sets, custom SLAs. See pricing →
Availability
Pro includes a 99.9% SLA and priority support. Custom uptime commitments are available on Enterprise.
Coverage
3,700+ institutions across lending and deposit products, all 50 states, re-verified daily. Browse coverage →
Start
Make the call.
01
Create a key
# Create a free API key (email required — 20 requests/month)curl -X POST https://api.rateapi.dev/keys \ -H "Content-Type: application/json" \ -d '{"email": "you@example.com", "source": "curl-home"}'02
Rank a real quote
# Rank a quoted auto loan against the live marketcurl -X POST https://api.rateapi.dev/v1/decisions \ -H "X-API-Key: rk_live_..." \ -H "Content-Type: application/json" \ -d '{"decision_type":"financing", "context":{"geo":{"state":"TX"}}, "product_request":{"product_type":"auto_loan","intent":"purchase", "amount":70000,"term_months":72}, "current_offer":{"apr":6.88}}'Explore rate data: mortgages, auto, RV, boat, motorcycle, HELOC, personal, and credit cards. For savings, CDs, share certificates and money-market APY, see the deposit rate API.
FAQ
Common Questions
Sign up at rateapi.dev, then generate your API key. You'll receive your key instantly with 20 requests/month on the free tier.
Daily. We re-verify lending APR and deposit APY from 3,700+ US credit unions and lenders. Every response includes an as_of date so your product can show exactly how fresh the data is.
Yes. 20 requests/month with a required email. No credit card required. Generate your key and start making requests immediately.
Yes. The /v1/decisions endpoint accepts a user's current offer and returns ranked alternatives with monthly savings, lifetime savings, and break-even timelines—ready to display.
Yes. The Compare tool at app.rateapi.dev lets you compare live rates for a client, save buyer scenarios, and generate a printable report—no code, no credit card.
No. RateAPI takes no affiliate or referral revenue. Every option is ranked purely by true cost (APR + points + fees) across 3,700+ lenders, so the top result is genuinely the best for the borrower.
Yes. RateAPI exposes daily-verified lending APR and deposit APY through REST and MCP. Coverage includes mortgages, vehicle and equipment financing, HELOCs, personal and student loans, credit cards, savings accounts, CDs, share certificates, money-market accounts and more.
Yes. Branded rate emails let you send live, ranked rates to your clients under your own logo and colors. Add your recipient list, choose a daily, weekly, or monthly cadence, and we handle one-click unsubscribe and the CAN-SPAM footer for you.
No. We re-verify lending and deposit rates from 3,700+ institutions daily, and every response includes an as_of date.
The lending side covers mortgages, auto, RV, boat, motorcycle, powersports, HELOC, personal, student and equipment loans plus credit cards. The deposit side covers savings, CDs, share certificates, money-market, IRA-CD, IRA and share-savings products. Use /v1/rates for lending data, /v1/deposit-rates for deposit APY, and /v1/decisions for supported financing decisions.
Yes. RateAPI ships a native MCP server so AI agents like Claude and ChatGPT can query live rates, compare options, and run savings math directly. REST and webhooks are also available.