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- No bank logins or passwords
- Never affects your credit score
- New accounts are covered automatically
24/7 Rate Monitoring & Protection
Not Watching Your Rates
Can Be Costly.
Market rates change daily. Credit shifts can unlock better rates.
Promo rates expire. Rates that were competitive yesterday
could be quietly costing you today.
RateGuard monitors & protects your rates
so you never miss a rate change that matters.
- Check in one click if your rates are above or below the daily market.
- See where you're overpaying & exactly how much it's costing you.
- Know which rates need attention & get guided steps to resolve them.
- 24/7 monitoring & protection covers all of your rates to prevent future losses.
Get your personalized Rate Health™ Report & Score in about 3 minutes.
Free foreverNo credit cardNo impact to your creditBank-level encryption
Powered by
trusted financial data
trusted financial data
Bank-level security256-bit encryptionSOC 2 Type II
The Scale of the Problem
Most consumers are already overpaying.
The real question is by how much.
Small rate gaps may not seem expensive at first. Left unnoticed, they can add up to thousands of dollars over time.
%
of borrowers overpay
Nearly nine in ten mortgage borrowers never lock the best rate available to them.
overpaid every year
The typical borrower's annual overpayment, purely for not catching a better rate.
lost over the loan term
More than the median household's entire retirement savings, gone to a rate gap.
Bankrate, 2026, corroborated by Federal Reserve Bank of Philadelphia research (Bhutta, Fuster & Hizmo, 2024). Figures shown are for mortgages; RateGuard monitors mortgages, HELOCs, auto, student & personal loans, and credit cards.
The Missing Protection Layer
Today's monitoring & protection tools
watch over most of what matters.
But one major blind spot remains. Your rates.
Your credit, identity, accounts & investments all have tools watching over them. RateGuard brings that same protection and peace of mind to the rates you pay.
Credit
Credit monitoring
WatchedIdentity
Identity protection
WatchedSpending
Banking & budgeting
WatchedInvestments
Portfolio tracking
WatchedRate blind spot
Rates
Rate monitoring
No monitoringThat's where rate gaps hide
One of your largest financial expenses has never had a monitoring and protection utility.
RateGuard gives your rates the same 24/7 Monitoring & Protection every other part of your financial life already has.
rate gap
/rāt gap/ noun
The difference between the rate you're paying today and the best available rate you could qualify for today.
Rate gaps quietly appear when market rates move, promotional offers expire, or your credit profile changes. Most people never know when one has opened.
Origin: Coined in 2026 by RateGuard to describe one of the largest hidden costs in personal finance.
How It Works
Set It Up Once. Stay Protected 24/7.
RateGuard continuously monitors your rates, market rate drops, credit-driven opportunities and upcoming expirations, alerting you when something changes that matters.
We Benchmark Your Rates Live.
Every rate you carry is compared to today's market rates, adjusted for your credit profile.
- See your real rate vs. today's market
- Personalized to your credit profile
- We monitor for rate drops and opportunities
We Flag And Show You Your Options.
When a rate is costing you, you get an alert and can review your options. You choose what happens next.
- Alerts when a rate is costing you
- See lenders ranked for your credit
- Nothing moves unless you say so
Powered By The Bureaus You Already Know & Trust
RateGuard's monitoring is free. We earn only when you resolve a rate loss, which means we win only when you stop overpaying.
Your RateGuard.
Your Way.
Get protected in about 3 minutes.
Then engage as much or as little
as you want.
Keep it simple
Set It & Forget It.
RateGuard watches your rates 24/7 and alerts you only when something needs your attention.
Take a deeper dive
See What's Happening.
Explore your Rate Health™, active rate losses, market comparisons, detailed calculations and the numbers behind every alert.
Your RateGuard Dashboard
All of your rates. One click.
One clear view.
See all of your rates next to today's market, where you're overpaying & exactly what it's costing you. No statements. No spreadsheets. No research. No guessing.
Your rate vs. the market
Each account shows the rate you pay next to the best available rate for your credit, so the spread is impossible to miss.
What it's costing you
Overpayments are calculated to the dollar, per month and over the life of the loan, so nothing hides.
Deadlines on the clock
Promo APRs and reset dates get a countdown, so a good rate never turns bad without warning.
Monitoring activeRateHealth Score+10 this mo
Fair
Monitored 24/7 · updated today
Each active loss is −10 pts, each missing rate −5. Fix them and your score climbs toward Good.
Accounts watched
Protected
Active losses
Missing rate
/moTotal overpayment across 3 accounts · $4,572/yr and climbing
Wells Fargo Mortgage
Mortgage · 4821
Your rate6.90%
→
Best rate5.80%
→
Costing you$284/mo$3,408/yr
Citi Diamond Card
Credit card · 8811
Your rateNot set
→
Best rate21.90%
→
ActionAdd rateto monitor
© 2026 RateGuard · Bank-level 256-bit security
Your Rate Command Center
Your Rate Health.
Everything you need to know at a glance.
Your Rate Health Report & Score evaluates every account individually, so you know where you stand, what needs attention & what to do next.
- Every loan & cardin one place
- Today's bestmarket rates
- Rate HealthReport & Score
- Guidednext steps
Rate Health Score™
/100
Needs Attention
/year
in overpayments detected
Last updated: Today, 8:30 AM · Monitoring is active
What's affecting your score?
These factors are driving your score today.
- Good3 Accounts Protected
Rates at or below market.
- -30 pts3 Active Losses
Rates above market. Resolve to stop the loss.
- Watch1 Expiring Rate
A rate deadline is inside 90 days. Act before it expires.
- -5 pts1 Missing Rate
Account not monitored or rate not set.
Score factors update as your rates change.
Your path to 100
Take these actions to reach a fully protected score.
Today
Fully Protected
- Resolve 3 active losses
- Verify 1 missing rate
- Address 1 expiring rate
- Monitor every account
Projected annual improvement
in overpayments avoided
Your Rate Health Report & Score are always free.
Free to check. Free to monitor. We only succeed when you stop overpaying.
Comprehensive Rate Coverage
Every Rate You Carry.
Monitored And Protected 24/7.
RateGuard monitors rates across the major types of consumer credit,
from your mortgage to your credit cards.
Mortgage
Home Equity
Auto Loans
Credit Cards
Student Loans
Personal Loans
All of your accounts are monitored and protected from day one.
Open a new loan or credit card? It's automatically added to your rate monitoring, so nothing falls through the cracks.
Meaningful Alerts
Know when something's wrong.
And when everything's right.
RateGuard alerts you when something needs attention and confirms when your rates remain in good shape, so you're never left wondering where you stand.
- No spam
- No marketing notifications
- Alerts only when action may be worth considering
Alerts included freeNo credit impactRead-only monitoring
Overpayment detected
Overpayment detected
Capital One Auto
Auto loan · 2077
Your rate
8.40%
Best rate
6.90%
What it's costing you
$77
/month
$924
/year
$3,696
life of loan
Rate history (30 days)View details
May 1May 15May 30Today
Your rateBest rate
Next step
You have 3 options to save $77/month. See your best offers in 60 seconds.
Promotional rate ending
Monitoring active3
Chase Freedom Card
0% intro APR · 3390
Your 0% promo is on the clock.
Balance $4,860 · pay down before Mar 14 or the standard rate takes over.
Expiration Alerts
90 daysSent
60 daysSent
30 daysUp next
7 daysFinal warning
What Happens If You Miss It
0%
Promo APR
24.99%
Standard APR
+$187/mo
Payment shock
We'll notify you before anything changes — alerts as key dates approach.
Also monitoring
Wells Fargo ARM142 days
Chase HELOC draw8 months
Deadlines are detected automatically or added in seconds.
Every countdown is monitored 24/7.
Guided Resolution
We don't just find problems.
We help you fix them.
When an overpayment is detected, see what's causing it, exactly what it's costing you & the steps available to resolve it. You're always in full control and decide what happens next.
1
Overpayment detected
We alert you the moment your rate moves above today's market.
Mortgage
30-Year Fixed
Current Rate
6.90%
APR
Market Rate
5.80%
APR
You're overpaying
$241/mo
$2,892 per year
We're monitoring this account 24/7
2
Your personalized options
We search our lending network and rank offers based on your credit profile.
Top offers for you
Recommended
A
5.80%
APR
Est. Savings
$241/mo
Alternative
B
5.85%
APR
Est. Savings
$219/mo
3
You choose
Review your options and decide what works best for you.
You selected
Offer A
5.80%APR
Est. Savings
$241/mo
Nothing changes unless you initiate it.
4
Protected
Your new rate is protected and your Rate Health Score improves.
Your new rate is protected.
Rate Update
6.90%
Old Rate
5.80%
New Rate
Monthly Overpayment
$241/mo
$0/mo
Rate Health Score
65
75
+10 pts
Monitoring Active
Your updated rate is now protected and will continue to be monitored automatically.
Nothing changes unless you initiate it.
You decide every stepClear guidanceBank-level security
Market Benchmarks
Know which rates are above, at or below today's market.
Every rate is benchmarked daily against the market and adjusted for your credit profile, so you know what's competitive and what isn't.
Benchmarked across every major lending category
Mortgages
Home Equity
Auto Loans
Student Loans
Personal Loans
Credit Cards
All benchmarks are updated daily using credit-tier adjusted market comparisons.
Auto Loan Comparison
Your Rate
6.99%
$512 /mo
Today's Best Market Rate
5.62%
$425 /mo
Rate Gap
1.37%
Above today's best rate
Estimated Overpayment
Monthly
$87/mo
Yearly
$1,044/yr
Life of Loan
$4,611
53 months remaining
Updated every day
Market conditions change daily. Your benchmarks do too.
Adjusted for your credit
You're compared to what the market offers borrowers with similar credit characteristics. Not national averages.
You stay in control
Nothing changes unless you chosse to take action. RateGuard shows you where you stand and helps you evaluate your options with confidence.
Thousands
Daily market observations
6 Categories
Consumer lending markets
Updated Daily
Fresh benchmarks
Credit Adjusted
Personalized comparisons
Rate Expiration Protection
Some rates don't drift.
They expire.
RateGuard watches promo expirations, ARM resets, HELOC draw periods & other important rate deadlines, alerting you before they become expensive surprises.
Promo & Intro APRs
Know before promotional rates expire.
ARM resets
Know before your fixed-rate period ends.
HELOC draw periods
Know before interest-only access ends.
BNPL & deferred interest
Avoid retroactive interest charges.
Monitor My Rate Deadlines
Included free with every RateGuard account.
No credit cardRead-only accessAutomatic monitoring
Monitoring active3
Chase Freedom Card
0% intro APR · 3390
Your 0% promo is on the clock.
Balance $4,860 · pay down before Mar 14 or the standard rate takes over.
Expiration Alerts
90 daysSent
60 daysSent
30 daysUp next
7 daysFinal warning
What Happens If You Miss It
0%
Promo APR
24.99%
Standard APR
+$187/mo
Payment shock
We'll notify you before anything changes — alerts as key dates approach.
Also monitoring
Wells Fargo ARM142 days
Chase HELOC draw8 months
Deadlines are detected automatically or added in seconds.
Every countdown is monitored 24/7.
Security & Privacy
Designed to watch.
Not touch.
RateGuard uses secure, read-only access. It can monitor your rates, but it can't move money, make payments or change your accounts.
Read-only monitoringYour accounts always remain read-only. RateGuard can see your rates, but it cannot move money or make changes.
You stay in controlNothing changes unless you choose to take action. Every recommendation is yours to accept or ignore.
Read-only access
- No edits
- No transactions
- No account changes
No credit impact
- Soft credit check only
- Monitoring never affects your score
Bank-level encryption
- Encrypted in transit
- Encrypted at rest
Trusted financial infrastructure
Connected to the nation's leading credit bureaus.
Trusted Credit Bureau Connections
SOC 2 Type II
Certified
256-bit Encryption
Bank-level security
Read-only by Design
Nothing changes without you
Trusted Credit Bureau Connections
SOC 2 Type II
Certified
256-bit Encryption
Bank-level security
Read-only by Design
Nothing changes without you
Nothing changes unless you decide to take action.
RateGuard only monitors. You stay in control.
FAQ
Everything you need to know.
Nothing to wonder about.
Straight answers about how RateGuard works, what it monitors, what it costs & what happens after you get started.
Will this affect my credit score?
No. RateGuard uses a soft credit check to identify your accounts and does not affect your credit score.
Can RateGuard move my money?
No. RateGuard is monitoring only. It can't transfer funds, make payments, or change your accounts.
What accounts can it monitor?
Mortgages, HELOCs, auto loans, student loans, personal loans, and credit cards, all in one place.
Is RateGuard a lender?
No. RateGuard is a rate monitoring and protection platform. When taking action makes sense, we may show offers from participating providers. Whether you act is always your decision.
Can it track my 0% promo or ARM reset?
Yes. It tracks promotional APRs, ARM resets, HELOC draw-period endings, and deferred-interest deadlines, with countdown alerts starting 90 days out. Deadlines are detected automatically where possible, or added in seconds.
Is RateGuard really free?
Yes. RateGuard Free is free forever with no trial and no credit card required. It includes your Rate Health Report & Score, ongoing rate monitoring, overpayment detection, expiration alerts, and standard monitoring. If you want daily credit-aware monitoring and advanced alert controls, you can upgrade to RateGuard Plus anytime. Cancel whenever you like.
Why do I need this if I monitor credit?
Credit monitoring helps protect your credit profile. RateGuard monitors the rates you pay today and alerts you when market changes create a meaningful gap or an important deadline is approaching. They work together.
What if my rates are already good?
Then you're protected, and you'll know the moment that changes. A good rate today can quietly fall behind tomorrow. That's exactly what monitoring is for.
Check My Rate Health
3-minute setupFree ForeverPlus can cancel anytime
Pricing
Rate protection. Free forever.
Get your Rate Health Report & Score, ongoing rate monitoring, overpayment detection and standard alerts for $0. Upgrade only if you want advanced monitoring and controls.
Protecting 24/7MortgagesHELOCsAuto loansCredit cardsPersonal loansStudent loans
Free Forever
RateGuard Free
$0/month
All the protection most people need. See every rate, what it's costing you, and your Rate Health Score.
Overpayment detection with guided fix steps.Every fix is walked through, right inside your dashboard.
- Interactive dashboard for every account
- Daily rate monitoring with standard alerts
- Expiration alerts before promo & intro rates end
- Rate Health Score, calculators, and market trends
- Life-of-loan loss projections
- Unlimited account connections
Check My Rate Health
No credit cardNo trial periodYou stay in control
Advanced Protection
RateGuard Plus
$15/month
Billed annually at $180 • Save $120/yearor $25/month billed monthly • Cancel anytime
Everything in Free, plus daily credit updates instead of monthly, so RateGuard can identify new credit-based gaps within a day, rather than waiting up to 30 days.
Three Reasons To Upgrade
01
Daily Credit Updates
Your credit profile refreshes daily instead of every 30 days, helping RateGuard identify new credit-driven gaps and potential overpayments sooner.
02
Custom Alert Thresholds
Fine-tune alert thresholds to your preferences, account by account.
03
Early-Warning Expiration Radar
90-day countdowns, custom lead times, and payoff-before-deadline plans for every promo, ARM, and draw period.
Upgrade to Plus · Annual
Read-only accessNo credit impactYou stay in control
Nothing changes unless you decide to take action. RateGuard only monitors. You stay in control.
OUR MISSION
Bringing Rate Visibility into every consumer's financial life.
Helping move rates out of the dark and making unnecessary overpayment increasingly preventable.
Your rates have too much impact on your financial life to be left in the dark.
Every consumer deserves easy access to accurate, ongoing visibility into where their rates stand in relation to today's market. That visibility creates Rate Confidence: the peace of mind that comes from knowing your rates remain competitive.
Our mission is to bring continuous rate visibility into every consumer's financial life until knowing your Rate Health Score becomes as common and expected as knowing your credit score.
Free Rate Health Check
Now you can.
See exactly where
your rates stand.
Get your free personalized Rate Health Report & Score in about 3 minutes. Then RateGuard continues monitoring automatically, so you don't have to.
Check My Rate HealthMonitoring mortgages, HELOCs, auto loans, student loans, personal loans, and credit cards.
Free ForeverNo credit impactNo credit cardBank-level encryption