# US Reference Rates API
> Live US money-market benchmark rates from the Federal Reserve Bank of New York's public markets API — no key, nothing cached. These are the rates that price trillions of dollars of loans and derivatives now that LIBOR is gone. The rates endpoint returns every benchmark the New York Fed publishes in one call: SOFR (the Secured Overnight Financing Rate, the headline US benchmark, around 3.6% on over three trillion dollars of daily volume), the Effective Federal Funds Rate (EFFR), the Overnight Bank Funding Rate (OBFR), and the Treasury and Broad General Collateral Rates (TGCR, BGCR) — each with its rate, the daily transaction volume in billions and the effective date. The sofr endpoint gives SOFR in detail with its full percentile distribution (1st, 25th, 75th, 99th) and recent trend. The history endpoint returns the recent daily path of any one rate. This is the benchmark-rate layer for any fixed-income, derivatives, lending, treasury or macro app that needs authoritative US overnight rates. Live from the New York Fed, nothing stored. Distinct from the ECB and central-bank-policy APIs — these are the US secured and unsecured money-market reference rates. 4 endpoints.

## Authentication
All requests require your oanor API key in the `x-oanor-key` header. Get one at https://www.oanor.com/developer/keys.

```bash
curl -H "x-oanor-key: oanor_live_…" "https://api.oanor.com/usrates-api/..."
```

## Pricing
- **Free** (Free) — 11,600 calls/Mo, 3 req/s
- **Starter** ($8/Mo) — 136,000 calls/Mo, 8 req/s
- **Pro** ($21/Mo) — 648,000 calls/Mo, 15 req/s
- **Scale** ($52/Mo) — 3,120,000 calls/Mo, 30 req/s

## Endpoints

### Rates

#### `GET /v1/history` — Recent history of one rate

**Parameters:**
- `type` (query, optional, string) — sofr | effr | obfr | tgcr | bgcr Example: `sofr`
- `count` (query, optional, string) — How many days (1-250) Example: `30`

**Example:**
```bash
curl -H "x-oanor-key: $KEY" \
  "https://api.oanor.com/usrates-api/v1/history?type=sofr&count=30"
```

**Response:**
```json
{
    "data": {
        "name": "Secured Overnight Financing Rate",
        "type": "sofr",
        "count": 30,
        "history": [
            {
                "date": "2026-06-05",
                "name": "Secured Overnight Financing Rate",
                "type": "SOFR",
                "rate_pct": 3.63,
                "percentiles": {
                    "p1": 3.58,
                    "p25": 3.61,
                    "p75": 3.68,
                    "p99": 3.71
                },
                "volume_billions": 3131
            },
            {
                "date": "2026-06-04",
                "name": "Secured Overnight Financing Rate",
                "type": "SOFR",
                "rate_pct": 3.62,
                "percentiles": {
                    "p1": 3.58,
                    "p25": 3.59,
                    "p75": 3.67,
                    "p99": 3.7
                },
                "volume_billions": 3147
            },
            {
                "date": "2026-06-03",
                "name": "Secured Overnight Financing Rate",
                "type": "SOFR",
                "rate_pct": 3.61,
                "percentiles": {
                    "p1": 3.58,
                    "p25": 3.59,
                    "p75": 3.67,
                    "p99": 3.7
                },
                "volume_billions": 3098
            },
            {
                "date": "2026-06-02",
                "name": "Secured Overnight Financing Rate",
           
…(truncated, see openapi.json for full schema)
```

#### `GET /v1/rates` — All latest reference rates

**Example:**
```bash
curl -H "x-oanor-key: $KEY" \
  "https://api.oanor.com/usrates-api/v1/rates"
```

**Response:**
```json
{
    "data": {
        "as_of": "2026-06-08",
        "count": 6,
        "rates": [
            {
                "date": "2026-06-08",
                "name": "SOFR Averages & Index",
                "type": "SOFRAI",
                "rate_pct": null,
                "volume_billions": null
            },
            {
                "date": "2026-06-05",
                "name": "Effective Federal Funds Rate",
                "type": "EFFR",
                "rate_pct": 3.62,
                "percentiles": {
                    "p1": 3.6,
                    "p25": 3.62,
                    "p75": 3.63,
                    "p99": 3.69
                },
                "fed_target_band": {
                    "low": 3.5,
                    "high": 3.75
                },
                "volume_billions": 117
            },
            {
                "date": "2026-06-05",
                "name": "Overnight Bank Funding Rate",
                "type": "OBFR",
                "rate_pct": 3.62,
                "percentiles": {
                    "p1": 3.5,
                    "p25": 3.62,
                    "p75": 3.63,
                    "p99": 3.68
                },
                "volume_billions": 254
            },
            {
                "date": "2026-06-05",
                "name": "Tri-Party General Collateral Rate",
                "type": "TGCR",
                "rate_pct": 3.61,
                "percentiles": {
                    "p1": 3.55,
        
…(truncated, see openapi.json for full schema)
```

#### `GET /v1/sofr` — SOFR detail + distribution

**Example:**
```bash
curl -H "x-oanor-key: $KEY" \
  "https://api.oanor.com/usrates-api/v1/sofr"
```

**Response:**
```json
{
    "data": {
        "date": "2026-06-05",
        "name": "Secured Overnight Financing Rate",
        "note": "SOFR is the headline US dollar benchmark replacing USD LIBOR.",
        "type": "SOFR",
        "trend": [
            {
                "date": "2026-06-05",
                "rate_pct": 3.63,
                "volume_billions": 3131
            },
            {
                "date": "2026-06-04",
                "rate_pct": 3.62,
                "volume_billions": 3147
            },
            {
                "date": "2026-06-03",
                "rate_pct": 3.61,
                "volume_billions": 3098
            },
            {
                "date": "2026-06-02",
                "rate_pct": 3.63,
                "volume_billions": 3148
            },
            {
                "date": "2026-06-01",
                "rate_pct": 3.65,
                "volume_billions": 3224
            },
            {
                "date": "2026-05-29",
                "rate_pct": 3.63,
                "volume_billions": 3201
            },
            {
                "date": "2026-05-28",
                "rate_pct": 3.62,
                "volume_billions": 3139
            },
            {
                "date": "2026-05-27",
                "rate_pct": 3.63,
                "volume_billions": 3176
            },
            {
                "date": "2026-05-26",
                "rate_pct": 3.63,
                "volume_billions": 3127
            },
         
…(truncated, see openapi.json for full schema)
```

### Meta

#### `GET /v1/meta` — Spec

**Example:**
```bash
curl -H "x-oanor-key: $KEY" \
  "https://api.oanor.com/usrates-api/v1/meta"
```

**Response:**
```json
{
    "data": {
        "source": "Federal Reserve Bank of New York markets API (live)",
        "service": "usrates-api",
        "endpoints": {
            "GET /v1/meta": "This document.",
            "GET /v1/sofr": "SOFR in detail: rate, percentile distribution and recent trend.",
            "GET /v1/rates": "All latest reference rates (SOFR, EFFR, OBFR, TGCR, BGCR) with volume and date.",
            "GET /v1/history": "Recent daily history of one rate (type=sofr|effr|obfr|tgcr|bgcr, count up to 250)."
        },
        "rate_types": [
            "sofr",
            "bgcr",
            "tgcr",
            "effr",
            "obfr"
        ],
        "description": "Live US money-market benchmark rates from the Federal Reserve Bank of New York: SOFR (the headline Secured Overnight Financing Rate), the Effective Federal Funds Rate (EFFR), the Overnight Bank Funding Rate (OBFR) and the Treasury and Broad General Collateral Rates (TGCR, BGCR), each with rate, daily volume and date; SOFR in detail with its percentile distribution and recent trend; and the recent daily history of any one rate. Live, no key, nothing stored. Distinct from the ECB and central-bank-policy APIs — these are the US secured and unsecured money-market reference rates.",
        "upstream_status": "ok"
    },
    "meta": {
        "timestamp": "2026-06-09T11:39:26.923Z",
        "request_id": "833e4278-c5bd-425e-aaa4-7c66f7c0cdbc"
    },
    "status": "ok",
    "message": "Meta",
    "success": t
…(truncated, see openapi.json for full schema)
```


---
Marketplace page: https://www.oanor.com/api/usrates-api
OpenAPI spec: https://www.oanor.com/api/usrates-api/openapi.json