Data & Analytics

Find current product-matched rates near a ZIP

Finds credit unions in the nearest NCUA-reported branch set for a five-digit ZIP, keeps institutions with a current product-matched published rate, and ranks those offers by lowest APR with approximate distance as a tie-breaker. Distance is a straight-line estimate, not driving distance. Membership and personalized approval are not guaranteed. HELOC results require lender wording that identifies a line of credit and exclude closed-end home-equity loans. This route is the single source of truth; the MCP find_product_rates_near_zip tool and consumer product near-me pages call it.

Authentication required: Pass your API key in the X-API-Key header.

get/v1/rates/nearby

Request

  • Base URL: https://api.rateapi.dev
  • URL: https://api.rateapi.dev/v1/rates/nearby
  • Auth: API key in header X-API-Key

Query parameters

zipstring required

Five-digit US ZIP code to search around. Credit unions are selected by proximity of an NCUA-reported branch, then their matching offers are ranked by published APR.

product_type'auto_loan' | 'mortgage' | 'mortgage_arm' | 'heloc' | 'personal_loan' | 'student_loan' | 'equipment_loan' | 'credit_card' required

Which product to return offers for. Determines which of an institution’s rates are eligible for the ranking.

term_monthsinteger

Selects the comparable mortgage term when supplied.

vehicle_condition'new' | 'used' | 'certified_pre_owned' | 'cpo'

For vehicle products only: restrict to new or used pricing. Ignored for every other product type, since the distinction does not exist there.

max_offersinteger

Maximum number of ranked offers to return. Offers are ranked by APR, so a lower value returns the best-priced subset rather than an arbitrary one.

Response

A bounded APR-ranked list of product-matched rates from nearby credit unions.

zipstring required

The five-digit ZIP code that was searched.

product_typestring required

Loan or deposit product this applies to.

ranked_bystring required

What the offers are ordered on — estimated distance to the closest reported branch, then APR.

nearby_credit_union_countinteger required

Credit unions found near the ZIP code before offers were matched.

precisionstring required

How the distances were computed, stated in words so they cannot be mistaken for driving distance.

disclosurestring required

Statement that must be shown to a consumer alongside this result.

unavailable_reasonstring

Why no local offers were returned. Present only when the list is empty.

Changes

No recorded changes to this operation across all 1 revision of this API.