Product matching, membership eligibility, and sourced US credit union rates. Test the APIs directly in your browser.
3,700+
US Credit Unions
<500ms
Response
Daily
Updates
Quick Start
Welcome to RateAPI - your source for real-time mortgage and auto loan rates from credit unions nationwide.
This page provides interactive API documentation powered by Swagger UI, allowing you to
explore all endpoints, test API calls directly in your browser, and view detailed response schemas.
No key yet?GET /v1/demo/rates answers without one, returning a
synthetic sample in exactly the envelope /v1/rates uses — so you can confirm the
response contract before writing any authentication code. Every response, that one included, carries
RateLimit-Limit, RateLimit-Remaining, RateLimit-Reset and
RateLimit-Policy; a 429 adds Retry-After in seconds.
See the developer portal for the quickstart and the
versioning & deprecation policy.
terminal
# Install the human + agent CLI, then create a key securely
$npm install --global @rateapi/cli
$rateapi login
# Compare mortgage rates with the securely stored key
$rateapi mortgage
# Compare auto-loan rates with the securely stored key
$rateapi auto
🏠 Mortgage Rates
30-year, 15-year fixed, ARM rates with property type, occupancy, and LTV filters.
🚗 Auto Loan Rates
New and used vehicle financing with term options from 36 to 84 months.
🎯 Smart Decisions
AI-powered recommendations compare rates across lenders with confidence scores.
📊 Real-Time Data
Daily updates from 4,000+ credit unions with sub-500ms global response times.