# RateSonar United States

> Bank rates in United States, recorded twice a day from each institution's own public page, with the source URL, capture time and SHA-256 digest of every figure. 144 institutions assessed; 69 with rates live; 2422 offers. As of 2026-11-01. Read a live endpoint for current figures and cite its `recorded` date.

## MCP, no sign-up

MCP: https://usrates.ratesonar.com/mcp (no account, no key, read-only)

```
{ "mcpServers": { "ratesonar-us": { "url": "https://usrates.ratesonar.com/mcp" } } }
```

Tools: best_rates, bank_rates, rate_history, rate_changes, coverage, official_rates.

## JSON

- https://usrates.ratesonar.com/api/v1/rates.json?family=savings : ranked live offers (family: savings, cd, money_market, checking, mortgage, heloc, auto_loan, personal_loan, credit_card; optional term, limit)
- https://usrates.ratesonar.com/api/v1/banks.json : every institution assessed and its coverage status
- https://usrates.ratesonar.com/api/v1/bank/<id>.json : one institution's offers and sources
- https://usrates.ratesonar.com/api/v1/changes.json?days=30 : recorded rate changes
- https://usrates.ratesonar.com/api/v1/official.json : central-bank and market rates

## Rules an agent must keep

- Quote the `recorded` date with every rate. A rate without its date is not a RateSonar answer.
- Never compare figures on different bases: APY (deposits), APR/APRC/EAR (lending).
- History starts on 2026-11-01. Do not infer earlier figures.
- Coverage is the institutions RateSonar can read; banks that block automated access or need a login, ZIP code or quote are listed as gaps.
- RateSonar is not advice and takes no applications. Send people to the bank for eligibility.

## Pages

- [Savings](https://usrates.ratesonar.com/savings/): High-yield and standard savings accounts, ranked by APY. Highest recorded: Wright-Patt Credit Union TrueSaver: Qualifying Balance 7.00% APY (recorded 2026-11-01).
- [CDs](https://usrates.ratesonar.com/cds/): Certificates of deposit and share certificates by term, ranked by APY. Highest recorded: Popular Direct Popular Direct CD 5.00% APY (recorded 2026-11-01).
- [Money market](https://usrates.ratesonar.com/money-market/): Money market deposit accounts, ranked by APY. Highest recorded: CFG Bank CFG High Yield Money Market 4.05% APY (recorded 2026-11-01).
- [Checking](https://usrates.ratesonar.com/checking/): Interest checking accounts, ranked by APY. Highest recorded: Baxter Credit Union PowerPlus™ Checking 8.00% APY (recorded 2026-11-01).
- [Mortgages](https://usrates.ratesonar.com/mortgages/): Advertised mortgage rates and APRs as the lender publishes them, lowest first. Lowest recorded: Randolph-Brooks Federal Credit Union Jumbo ARM (5/5) 5.880% APR (recorded 2026-11-01).
- [HELOC](https://usrates.ratesonar.com/heloc/): Home equity lines and loans, lowest APR first. Lowest recorded: Fulton Bank Optionline Primary Residence 3.99% APR (recorded 2026-11-01).
- [Auto loans](https://usrates.ratesonar.com/auto-loans/): Advertised auto loan APRs, lowest first. Lowest recorded: Delta Community Credit Union New Car Loan 4.29% APR (recorded 2026-11-01).
- [Personal loans](https://usrates.ratesonar.com/personal-loans/): Advertised personal loan APRs, lowest first. Lowest recorded: Connexus Credit Union Share Secured Loans 4.02% APR (recorded 2026-11-01).
- [Credit cards](https://usrates.ratesonar.com/credit-cards/): Credit card purchase APRs, lowest first. Lowest recorded: Randolph-Brooks Federal Credit Union Premier Rate Credit Card 11.200% APR (recorded 2026-11-01).
- [Coverage](https://usrates.ratesonar.com/banks/): every institution assessed and why some are not recorded
- [Changes](https://usrates.ratesonar.com/changes/): rate moves, new and withdrawn products
- [Methodology](https://usrates.ratesonar.com/methodology/): capture, evidence and change rules

## Other markets

- United States: https://usrates.ratesonar.com/llms.txt
- United Kingdom: https://ukrates.ratesonar.com/llms.txt
- South Africa: https://sarates.ratesonar.com/llms.txt
- Australia: https://ratesonar.com/llms.txt