find_reachable_offers

dev.rateapi/mcp · Verify this server

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 evidenced published pricing; `reachable_after_action` requires the same product proof plus a documented membership action. Unknown or mismatched term, intent, vehicle condition, or occupancy remains `unresolved`, never silently matched. `no_published_offer` means no matching fresh evidenced rate was found. Deposits rank published APY only. Lending ranks published APR rows first and separately labeled nominal-rate rows second, never comparing APR and rate as one measure. Every price includes verbatim evidence and as_of, and routed membership results preserve graph/publication lineage and source proof. Use product-aware questions only as bounded facts that may clarify. Published pricing is not approval or guaranteed final availability.