{
  "name": "ratezip-rates",
  "displayName": "RateZip Deposit/Mortgage Rates",
  "description": "Source-attributed US savings, CD and mortgage rates observed on institutions' own published rate pages, plus deposit comparisons and home equity payment illustrations. Observed data, not a quote or advice; no APR calculations or eligibility decisions.",
  "version": "1.0.0",
  "publisher": {
    "name": "Peklava LLC DBA RateZip",
    "nmls": "1592292",
    "url": "https://www.ratezip.com"
  },
  "serverInfo": {
    "name": "ratezip-rates",
    "version": "1.0.0"
  },
  "protocolVersion": "2025-06-18",
  "transport": {
    "type": "streamable-http",
    "endpoint": "https://mcp.ratezip.com/mcp"
  },
  "authentication": {
    "required": false,
    "note": "No RateZip login required; public rate data."
  },
  "capabilities": {
    "tools": {
      "listChanged": true
    },
    "resources": {
      "listChanged": true
    }
  },
  "tools": [
    {
      "name": "get_savings_rates",
      "description": "Savings APYs RateZip observed on each bank's own published rate page, each with observation timestamp and source link; includes an FDIC national average reference row for context."
    },
    {
      "name": "get_cd_rates",
      "description": "CD APYs by term observed on each bank's own published rate page, each with observation timestamp and source link; includes an FDIC national average reference row for context."
    },
    {
      "name": "get_mortgage_rates",
      "description": "Mortgage and HELOC rates RateZip observed on lenders' own published rate pages, grouped by loan type, with no third-party benchmark."
    },
    {
      "name": "compare_deposit_options",
      "description": "Compares observed savings and CD APYs for a balance, holding period, state and fee/direct-deposit requirements. No eligibility decision or account opening."
    },
    {
      "name": "calculate_deposit_earnings_difference",
      "description": "Illustrative earnings difference between two savings APYs for a balance and horizon."
    },
    {
      "name": "compare_home_equity_payments",
      "description": "Home equity loan and HELOC payment illustrations from caller-supplied amount, note rate and term. No lender quote, eligibility decision or APR calculation."
    }
  ],
  "documentation": "https://www.ratezip.com/mcp",
  "listings": {
    "chatgpt": "https://chatgpt.com/plugins/plugin_asdk_app_6a79013a1fb4819182b4358e06dba242",
    "grok": "https://mcp.ratezip.com/grok"
  },
  "contact": {
    "email": "pknag@ratezip.com"
  },
  "updated": "2026-11-03"
}