Get real-time financing rates from 4,200 credit unions across all 50 states—covering mortgages, auto loans, HELOCs, personal loans, and credit cards. RateAPI delivers personalized recommendations based on your location, loan amount, and credit profile, with interactive comparisons and rate monitoring. Unlike estimate-based calculators, every rate comes from actual credit union data, helping you find competitive offers that traditional rate sites often miss.
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Last probed Nov 3, 2026 · mcp.rateapi.dev
89tools discovered
For AI agents — MCPBundles Directory API
For MCP client apps (human connect):
MCP connect URL: https://mcp.rateapi.dev/mcp
Skill page: https://www.mcpbundles.com/skills/rateapi-mcp-38e5ff8de8
Explore capabilities (89)
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Showing 25 of 89 tools from the public preview. Connect the server to inspect the full live tool list.
Get6
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Create2
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Other capabilities9
Get Financing Decision
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get_financing_decision
RECOMMENDED WHEN SHOPPING: Get personalized financing recommendations for ANY loan or credit product across every major type: mortgages (30yr/15yr/20yr/10yr fixed and ARMs), auto loans (new/used/CPO, 36-84 month terms), RV/boat/motorcycle/powersports loans, HELOCs (fixed/variable), personal loans (secured/unsecured), student loans, equipment loans, and credit cards (rewards, cash_back, secured, balance_transfer, low_rate, business, platinum, student). Analyzes current market offers and returns a
Description may be truncated on the public preview.
Get Financing Decision — RECOMMENDED WHEN SHOPPING: Get personalized financing recommendations for ANY loan or credit product across every major type: mortgages (30yr/15yr/20yr/10yr fixed and ARMs), auto loans (new/used/CPO, 36-84 month terms), RV/boat/motorcycle/powersports loans, HELOCs (fixed/variable), personal loans (secured/unsecured), student loans, equipment loans, and credit cards (rewards, cash_back, secured, balance_transfer, low_rate, business, platinum, student). Analyzes current market offers and returns a
List Credit Unions — Reference tool: Discover credit unions by state or nearest to a 5-digit ZIP. State listings include rate availability, member count, and reported location count. ZIP discovery ranks NCUA-reported branches by estimated straight-line miles from the ZIP center. For personalized rate recommendations, use get_financing_decision instead.
Find Credit Unions Near Zip — Use when someone asks for "credit unions near me," the closest credit union, local credit-union branches, or nearby alternatives to a bank. Given a 5-digit ZIP, returns credit unions ordered by the estimated straight-line distance to each institution's closest NCUA-reported branch. Includes approximate miles, branch address, and profile identifiers for checking rates, services, and membership. Distances use ZIP centers and are not driving distance.
Find Product Rates Near Zip — Use when someone asks for the best mortgage, auto-loan, HELOC, personal-loan, student-loan, equipment-loan, or credit-card rates near them and provides a ZIP. Finds the nearest NCUA-reported branch set, keeps credit unions with a current product-matched published rate, and ranks those offers by lowest APR with approximate distance as a tie-breaker. HELOC matching excludes closed-end home-equity loans. This is a local shopping shortlist: distance is straight-line, membership is not guaranteed, an
Get Credit Union — Reference tool: Get a credit union's rates, membership eligibility, and source-labelled NCUA quarterly profile: members, assets, year opened, charter, reported services, and branch locations. Eligibility annotates published criteria and never asserts that an individual is ineligible; profile facts are regulatory snapshots, not live prices. Use this when a user asks about a specific credit union. For personalized rate recommendations, use get_financing_decision instead.
Get your MCP into directories
A working endpoint is step one. Directory coverage is the coordinated launch across ChatGPT, Claude, Cursor, the MCP Registry, and community indexes.
Get real-time financing rates from 4,200 credit unions across all 50 states—covering mortgages, auto loans, HELOCs, personal loans, and credit cards. RateAPI delivers personalized recommendations based on your location, loan amount, and credit profile, with interactive comparisons and rate monitoring. Unlike estimate-based calculators, every rate comes from actual credit union data, helping you find competitive offers that traditional rate sites often miss.
How do I connect RateAPI to my AI agent?
Use the MCP endpoint listed on this page in your MCP client configuration. One-click install pills support Claude, Cursor, VS Code, and other hosts. Copy the remote MCP URL if your client needs a manual entry.
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Check Membership Eligibility — `relative_memberships` carries confirmed current/deceased relative membership scoped to one exact target credit union; one institution is never reused for another. Check whether a user can JOIN specific credit unions (field-of-membership eligibility). Batch-friendly: pass 1-50 credit_union_ids (from get_financing_decision offers, list_credit_unions, or get_credit_union) plus whatever is known about the user (home, worksite, and payroll geography are independent facts; employer, occupation, milit
Find Eligible Credit Unions — `relative_memberships` carries confirmed current/deceased relative membership scoped to one exact target credit union; one institution is never reused for another. `next_questions.unlocks_cu_count` counts membership decisions an answer may clarify, never guaranteed products. Discovery tool: find candidate credit unions a person may be able to JOIN, from their own facts rather than from a list of institutions. Pass any combination of home, worksite, or payroll geography (these are independent), o
Find Reachable Offers — Find the best fresh, evidence-backed credit-union rates reachable from this person’s membership facts. This composed graph-first operation evaluates the complete active US credit-union fleet BEFORE rates are queried, so a strong out-of-state employer, association, school, military, family, property, work/payroll, or facility door is not lost behind a candidate cap or state-only rate search. `reachable_now` requires a verified membership path, satisfied supplied product dimensions, and fresh evid
Get Personal Access Catalog — Evaluate one person across 1-19 explicit loan or deposit selectors using one exhaustive eligibility snapshot. Returns separate membership, published availability, product suitability, published pricing, underwriting, and approval layers. Lead only with reachable_now or reachable_after_action; unresolved and no_published_price are unknown, never a denial. Published APY, APR, or clearly labeled nominal rate is not a personalized quote, underwriting result, preapproval, commitment, or guarantee. Ev
Compare Personal Access Catalogs — Compare baseline and candidate confirmed person facts across the same 1-19 explicit products. Both catalogs use one pinned immutable eligibility graph snapshot; rate rows retain independent evidence and as_of. Returns access, membership-path, and like-for-like published-price basis-point deltas: APY for deposits, APR for lending when both sides publish APR, otherwise nominal rate only when both sides publish nominal rate. It never mixes APR and nominal rate. Never describe missing access as deni
Search Eligibility Entities — Browse or search canonical employers, associations, schools, or worship organizations that appear in positive conditions in current active eligibility publications. Omit query to browse by active-publication graph connectivity; that order is NOT popularity, quality, or a recommendation. With query, normalized exact matches rank before bounded prefix matches. A returned organization is a selectable fact, NOT proof that this person can join any credit union; use resolve_eligibility_entities for au
Resolve Eligibility Entities — Resolve up to 50 typed organization names for canonical eligibility input. Only one exact normalized active-publication match with confidence of at least 0.8 is authoritative (`resolved`); a lower-confidence exact match remains `unresolved`, multiple exact matches are `ambiguous`, and prefix candidates are suggestions only. Never convert an unresolved, ambiguous, or suggested candidate into a person fact. Resolution identifies an organization and never establishes eligibility.
Compare Reachable Offers — Compare one baseline person-fact panel with one candidate panel against the same active eligibility snapshot and exact product request. Use this for explicit what-if questions such as adding a confirmed employer or association. Newly reachable means current positive evidence now proves a path; no_longer_reachable or absence never proves ineligibility. Supply only facts the person confirmed, preferably canonical *_org_ids from resolve_eligibility_entities. Person facts are forwarded transiently a
Get Product Access Envelopes — Get non-personal, evidence-bound membership-access metadata for up to 50 exact deposit product references. Returns active-publication path kinds and documented joinable-association actions alongside the current evidenced product rate. This does NOT decide whether a person is eligible, easy to qualify, approved, or within a published balance/audience constraint; unavailable evidence stays unavailable.
Evaluate Eligibility Cohort — Evaluate a caller-supplied panel of 1-10 named fact profiles for one exact product against one serving snapshot, deduplicating reachable institutions and exact offers. This is descriptive only for the supplied panel: never call it a population estimate, conversion rate, approval forecast, or negative eligibility result. Use neutral profile labels instead of names, emails, account numbers, or other direct identifiers. Profiles are forwarded transiently and are not stored by this tool; unknown rem
Get Eligibility Changes — Read the bounded, cursor-paginated feed of currently active eligibility publication replacements since an ISO timestamp. Use it to invalidate caches keyed by credit_union_id or publication identity. It exposes aggregate publication metadata only: no personal facts, no historical verdict, and no claim that a person is eligible or ineligible.
Extract Eligibility Facts — Turn a person's own words about themselves into the structured facts the eligibility tools accept. Pass their sentence verbatim ("I'm a nurse at a Tulsa hospital, I live in Broken Arrow, my late father was a TTCU member") and this returns each fact it could read, with the exact words it read it from, a confidence, and a needs_confirmation flag. THIS DOES NOT DECIDE ELIGIBILITY and never returns a credit union: it only fills in fields. Show the extracted facts to the user and get confirmation on
Create Monitor — Create a new decision monitor that watches for rate changes and sends webhook notifications when conditions are met. Returns the monitor with a webhook_signing_secret for verifying webhook payloads.
Create Competitor Monitor — Subscribe a monitor to a SPECIFIC named credit union's published rate and alert via webhook when that CU changes its rate (vs the aggregate market-best decision). Returns the monitor with a webhook_signing_secret (shown once) and a baseline snapshot of the CU's current rate.
List Monitors — List all monitors associated with your API key. Supports pagination and filtering by status.
Get Monitor — Get detailed information about a specific monitor by its ID.
Update Monitor — Update an existing monitor. Only provided fields will be updated.
Delete Monitor — Permanently delete a monitor. This action cannot be undone.
Simulate Monitor — Test a monitor with a simulated rate change to see if it would trigger. No webhook is sent. It is not a pure dry run: the simulation IS recorded, as a monitor_evaluations row (and a webhook audit row) flagged is_simulation = 1, so it appears in the monitor's history clearly marked as a simulation. It does not touch the monitor's cooldown or last_triggered_at. Use deliver_test_webhook to actually send a test webhook.
Deliver Test Webhook — Send a test webhook for a monitor using a simulated rate change. This actually delivers an HTTP request to the monitor's configured webhook URL. IMPORTANT: a test delivery is NOT signed with the monitor's signing secret — only a hash of that secret is stored, so test deliveries use a placeholder and will FAIL signature verification. Use this to test payload handling, not signature verification. Only use when the user explicitly requests a test webhook delivery.
Showing the first 25 tools — full list and schemas: Directory API.
How many tools does RateAPI provide?
MCPBundles probed 89 tools on the live server. The tool list on this page reflects what was discovered at the last refresh — connect your client to see the full set available to your session.
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RateAPI may require signing in to the provider before tools can run. Connect through MCPBundles or your MCP client and complete any provider login when prompted.
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