NEW YORK, Sept. 1, 2026 /PRNewswire/ -- RateZip, an independent US consumer rates platform, today launched RateZip Deposit/Mortgage Rates in the ChatGPT app directory. RateZip Deposit/Mortgage Rates is a live rate service that lets ChatGPT answer questions about current US savings account, certificate of deposit (CD), mortgage, and home equity line of credit (HELOC) rates, with the source and observation time attached to every figure. To RateZip's knowledge, it is the first US-focused Model Context Protocol (MCP) service dedicated to consumer deposit-rate comparison.
Try it out here.
What can I ask it?
Questions such as "What's the best high-yield savings account rate right now?", "What are current 30-year mortgage rates?", or "Is my loan amount conforming or jumbo?" return interactive rate cards inside ChatGPT. These cards are sortable, timestamped, and each carry a link to the institution that published the rate. Coverage spans high-yield savings accounts, certificates of deposit, mortgage rates and annual percentage rates (APRs) including conforming and jumbo, home equity loans, and HELOCs.
Why is this different from asking an AI chatbot about rates?
A chatbot answering from training data guesses at rates that may be months stale. RateZip Deposit/Mortgage Rates returns the rate an institution currently publishes, observed at a stated moment, with any conditions attached. Enter a balance and it resolves the account's actual balance tier, showing the annual percentage yield (APY) a saver would really earn rather than a headline rate that applies only above a threshold.
How large is the gap between the best and average savings rates?
According to RateZip's rate index, as of August 26, 2026, a handful of outlier banks still pay around 4.00% APY — more than ten times the FDIC national average of 0.38%. On a $25,000 balance, that gap is roughly $905 a year. (Illustrative annualized figure; excludes taxes, balance tiers, and future rate changes. Methodology at ratezip.com/methodology.)
"Consumers are starting to ask AI assistants what to do with their money, and they deserve a factual answer with a timestamp and a source, not a guess from stale training data," said Paul Knag, founder of RateZip. "Bringing real, checkable rates to ChatGPT puts an honest answer in front of the largest AI audience in the world."
Which AI assistants can use RateZip?
Built on the open Model Context Protocol, the service works in ChatGPT via the app directory, is callable by any MCP-compatible agent at mcp.ratezip.com, and is available as a custom connector in Perplexity, Grok, and the Gemini CLI. When consumers are ready to act, they continue to RateZip's comparison pages to open accounts directly with institutions.
Rate data is factual information, not financial advice. The app carries no offers and no advertising; lender-specific quotes, approvals, and account opening remain with the institutions. Rates and APYs can change without notice.
About RateZip
RateZip (ratezip.com) is an independent US consumer rates platform, covering savings accounts, CDs, money market accounts, mortgages, home equity loans, and HELOCs. RateZip is built on nearly two decades of institutional and consumer market data. RateZip publishes its methodology at ratezip.com/methodology and operates an open MCP endpoint for AI agents at mcp.ratezip.com.