Model Context Protocol server

RateZip for AI agents.

Connect RateZip to an AI assistant and ask for savings, CD and mortgage rates, or compare deposit and home equity scenarios. Every figure comes back with its source and timestamp.

RateZip publishes a connector that users of these apps can add. Server name ratezip-rates, streamable HTTP transport, no RateZip login required.

Server address

https://mcp.ratezip.com/mcp

This is a tool connection address, not a webpage. Paste it into your client's connector settings.

Connect your client

Pick the assistant you use.

App directory

ChatGPT

Open RateZip Deposit/Mortgage Rates in the ChatGPT app directory.
Connect the app, then ask a rate question in a chat.

Add to ChatGPT ↗

Setup page

Grok

Open the RateZip setup page for Grok.
Follow the steps there to add the connector.
Ask a rate question in a new chat.

Set up in Grok ↗

Code editors

Cursor / VS Code

Open your editor's MCP settings.
Add a server and paste the server address above.
Ask the agent a rate question.

Any MCP client

Other clients

Paste the server address into your client's MCP or connector settings.
Confirm the six RateZip tools are listed, then ask a rate question.

Using an assistant that browses instead? Build a research prompt →

Tools

Six tools, in plain English.

Tool	What it does	Key inputs	Try asking
get_savings_rates	Savings APYs RateZip observed on each bank's own published rate page, with an FDIC national average reference row for context.	Optional balance, state, credit score	“What are the highest savings rates today?”
get_cd_rates	CD APYs by term, observed on each bank's own published rate page, with an FDIC national average reference row for context.	Optional term in months, balance, state	“Highest 12-month CD rate right now?”
get_mortgage_rates	Mortgage and HELOC rates observed on lenders' published rate pages, grouped by loan type.	Optional loan type, loan amount, state, credit score	“What 30-year fixed rates are lenders posting today?”
compare_deposit_options	Compares observed savings and CD APYs for a balance and holding period.	Balance; optional product, months, state, fee and direct-deposit filters	“Savings or a CD for $25,000?”
calculate_deposit_earnings_difference	Earnings difference between two savings APYs for a balance.	Balance; optional current APY, comparison APY, years	“How much am I missing at 0.45% on $25,000?”
compare_home_equity_payments	Payment illustrations for home equity loans and HELOCs.	Amount, note rate, repayment months; optional interest-only months, repayment rate, fees	“Monthly payment on $125,000 at 7.5% over 15 years?”

Sample result: `compare_home_equity_payments`

$125,000 home equity loan, 7.5% note rate, 180 months, $0 fees.

result_type:      "payment_illustration"
lender_offer:     false
apr:              null
monthly_payment:  $1,158.77
modeled_interest: $83,577.78

Data and limits

Bank savings and CD figures are rates RateZip observed on each bank's own published rate page, each with an observation timestamp and source link.
The FDIC national average appears only as one reference row in savings and CD results, for context.
Mortgage and HELOC rates are also observed by RateZip on lenders' own pages, with no third-party benchmark.
Observed data, not a quote or advice. Results are illustrations, not lender offers. No APR calculations or eligibility decisions.

Peklava LLC, DBA RateZip. NMLS ID 1592292.

For developers

Machine-readable descriptions are published at /llms.txt and /.well-known/mcp.json.

Where the numbers come from: how RateZip gets its data.

Questions about the connector: contact RateZip.