RateAPI MCP MCP server

An official MCP server by RateAPI that provides AI agents with access to live US credit union financing rates, membership eligibility rules, and product discovery tools. It enables agents to match customer facts to specific credit union products, compare rates, and retrieve source-backed evidence for loans, deposits, and credit cards.

Endpoint and access

No sign-in: your client connects and lists tools immediately, with no account or key.

No sign-inEndpoint checked 2026-10-05Operated by RateAPI

MCP endpoint (Streamable HTTP)

https://mcp.rateapi.dev/mcp

Vendor documentation

What you can do with it

Find personalized auto loan recommendations with vehicle condition filters
Compare specific credit union rates like Navy Federal vs PenFed
Find mortgage rates under 6% with no points
Get credit union profiles including NCUA facts and branch locations

Tools advertised by the last live check:

get_financing_decision
list_credit_unions
find_credit_unions_near_zip
find_product_rates_near_zip
get_credit_union
check_membership_eligibility
find_eligible_credit_unions
find_reachable_offers
get_personal_access_catalog
compare_personal_access_catalogs
search_eligibility_entities
resolve_eligibility_entities
compare_reachable_offers
get_product_access_envelopes
evaluate_eligibility_cohort
get_eligibility_changes
extract_eligibility_facts
create_monitor
create_competitor_monitor
list_monitors
get_monitor
update_monitor
delete_monitor
simulate_monitor
deliver_test_webhook
list_webhook_deliveries
get_eligibility_coverage
get_extraction_stats
get_benchmarks
compare_products
refinance_break_even
optimize_buydown
max_loan
estimate_affordability
estimate_monthly_cost
analyze_rent_vs_buy
project_pmi_removal
get_usage
get_monitor_stats
save_scenario
list_scenarios
get_scenario
delete_scenario
list_decision_logs
generate_client_report
rate_sanity_check
get_coverage
check_competitive_position
scan_savings
get_league_table
get_deposit_benchmarks
get_deposit_beta
explain_ranking
simulate_decision
build_amortization_schedule
compare_total_cost
batch_decisions
get_rate_delta
list_rates
get_rate_history
assess_buy_timing
assess_rate_lock
check_advice_guardrails
save_cohort
list_cohorts
get_cohort
delete_cohort
scan_portfolio
generate_share_link
list_shares
revoke_share
schedule_digest
list_digests
delete_digest
set_email_branding
get_email_branding
create_email_campaign
list_email_campaigns
update_email_campaign
delete_email_campaign
add_campaign_recipients
remove_campaign_recipient
send_test_campaign
send_campaign_now
subscribe_rate_alert
list_rate_alerts
unsubscribe_rate_alert
search_docs
get_doc

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers a Streamable HTTP server. Use --scope project to write .mcp.json for the repo.

Claude Code configuration

claude mcp add --transport http rateapi-mcp https://mcp.rateapi.dev/mcp

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).

Codex configuration

codex mcp add rateapi-mcp --url https://mcp.rateapi.dev/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable rateapi-mcp in your MCP settings.

Cursor configuration

{
  "mcpServers": {
    "rateapi-mcp": {
      "url": "https://mcp.rateapi.dev/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure). The type must be streamableHttp for a remote HTTP server.

Cline configuration

{
  "mcpServers": {
    "rateapi-mcp": {
      "type": "streamableHttp",
      "url": "https://mcp.rateapi.dev/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start rateapi-mcp and inspect its tools.

VS Code configuration

{
  "servers": {
    "rateapi-mcp": {
      "type": "http",
      "url": "https://mcp.rateapi.dev/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.

Gemini CLI configuration

gemini mcp add --transport http rateapi-mcp https://mcp.rateapi.dev/mcp

Claude Desktop

Merge this into claude_desktop_config.json (macOS: ~/Library/Application Support/Claude/, Windows: %APPDATA%\Claude\), then restart Claude Desktop.

Claude Desktop configuration

{
  "mcpServers": {
    "rateapi-mcp": {
      "url": "https://mcp.rateapi.dev/mcp"
    }
  }
}

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.

Windsurf configuration

{
  "mcpServers": {
    "rateapi-mcp": {
      "serverUrl": "https://mcp.rateapi.dev/mcp"
    }
  }
}

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