API and MCP
Every rate on this site, as JSON or as an MCP server. No sign-up, no key. Each figure carries its recorded date, basis and source URL; cite them.
MCP
Add this to Claude, ChatGPT (custom MCP, no authentication), Cursor or any MCP client:
{"mcpServers":{"ratesonar-us":{"url":"https://usrates.ratesonar.com/mcp"}}}
Tools: best_rates (ranked offers for a product type, optional term), bank_rates (all of one institution's rates), rate_history (one offer, daily), rate_changes (recent changes), coverage (institutions and status), official_rates (central-bank and market context).
HTTP
| Endpoint | Returns |
|---|---|
https://usrates.ratesonar.com/api/v1/rates.json?family=savings | Ranked live offers for one product type (family: savings, cd, money_market, checking, mortgage, heloc, auto_loan, personal_loan, credit_card). Optional term (months), limit. |
https://usrates.ratesonar.com/api/v1/banks.json | Every institution assessed, coverage status and live offer count. |
https://usrates.ratesonar.com/api/v1/bank/<id>.json | One institution's offers and sources. |
https://usrates.ratesonar.com/api/v1/history/<offer id>.json | Daily recorded figures for one offer. |
https://usrates.ratesonar.com/api/v1/changes.json?days=30 | Rate changes, newest first. |
https://usrates.ratesonar.com/api/v1/official.json | Official and market rates with their dates. |
Rules for agents
- Quote the
recordeddate with every rate. - Never compare figures on different bases (APY, AER, APR, nominal, effective).
- RateSonar does not give advice or take applications: send people to the bank.