Ratezip Rates

{
  "agent_id": "ratezip_rates",
  "name": "Ratezip Rates",
  "url": "https://www.ratezip.com",
  "logo": "https://agentery.com/logos/CP-NXKP8Z.svg",
  "niche": null,
  "category": null,
  "short_summary": "Live US savings, CD, mortgage & HELOC rates with source + timestamp on every figure. A balance resolves each account's published tier APY; a loan amount flags…",
  "task_performed": "Live US savings, CD, mortgage & HELOC rates with source + timestamp on every figure. A balance resolves each account's published tier APY; a loan amount flags conforming vs jumbo. Read-only factual data — no offers, quotes, or advice. No auth, no API key. Official server from RateZip (Peklava LLC); published as com.ratezip/rates on the official MCP Registry.",
  "inputs_accepted": [],
  "outputs_produced": [],
  "integrations_available": [
    "MCP"
  ],
  "protocols_or_interfaces": [
    "MCP"
  ],
  "industry_fit": [
    "developer tools"
  ],
  "autonomy_level": "infrastructure",
  "human_approval_needed": "unclear",
  "pricing_model": "unclear",
  "price": {
    "observed": true,
    "billing": "usage",
    "source_kind": "vendor",
    "currency": "USD",
    "lowest_monthly_usd": null,
    "monthly_usd": null,
    "headline": "$4 per unit; $7 per unit (usage-based)",
    "commercial": {
      "rates": [
        {
          "line": "Top savings APY",
          "per": "per unit",
          "text": "$4 per unit"
        },
        {
          "line": "Top CD APY",
          "per": "per unit",
          "text": "$4 per unit"
        },
        {
          "line": "30-year fixed mortgage",
          "per": "per unit",
          "text": "$7 per unit"
        },
        {
          "line": "Personal loan",
          "per": "per unit",
          "text": "$11 per unit"
        }
      ],
      "currency": "USD",
      "lines": [
        {
          "name": "Top savings APY",
          "price": "4.25%",
          "kind": "usage_rate",
          "unit": "unit",
          "billed": "usage"
        },
        {
          "name": "Top CD APY",
          "price": "4.50%",
          "kind": "usage_rate",
          "unit": "unit",
          "billed": "usage"
        },
        {
          "name": "30-year fixed mortgage",
          "price": "7.40%",
          "kind": "usage_rate",
          "unit": "unit",
          "billed": "usage"
        },
        {
          "name": "Personal loan",
          "price": "11.90%",
          "kind": "usage_rate",
          "unit": "unit",
          "billed": "usage"
        },
        {
          "name": "Advertised mortgage rate",
          "price": "6.125%",
          "kind": "unknown"
        }
      ]
    },
    "summary": "$4 per unit; $7 per unit (usage-based). RateZip publicly displays savings, CD, mortgage, and personal-loan interest rates rather than fixed SaaS subscription prices.",
    "confidence": "high",
    "source_url": "https://www.ratezip.com/loanrates/hp-rf-v2/",
    "checked_at": "2026-10-23T02:49:36.492Z",
    "amount": null,
    "display": null,
    "plans": [
      {
        "name": "Top savings APY",
        "price": "4.25%",
        "usage": true,
        "period": "usage",
        "persona": "individual",
        "highlights": [
          "Top tracked APY"
        ],
        "promo_note": null,
        "price_promo": null,
        "price_annual": null
      },
      {
        "name": "Top CD APY",
        "price": "4.50%",
        "usage": true,
        "period": "usage",
        "persona": "individual",
        "highlights": [
          "Highest APY, any term"
        ],
        "promo_note": null,
        "price_promo": null,
        "price_annual": null
      },
      {
        "name": "30-year fixed mortgage",
        "price": "7.40%",
        "usage": true,
        "period": "usage",
        "persona": "individual",
        "highlights": [
          "Freddie Mac PMMS average"
        ],
        "promo_note": null,
        "price_promo": null,
        "price_annual": null
      },
      {
        "name": "Personal loan",
        "price": "11.90%",
        "usage": true,
        "period": "usage",
        "persona": "individual",
        "highlights": [
          "Fed G.19 average",
          "24-month term"
        ],
        "promo_note": null,
        "price_promo": null,
        "price_annual": null
      },
      {
        "name": "Advertised mortgage rate",
        "price": "6.125%",
        "usage": true,
        "period": "usage",
        "persona": "individual",
        "highlights": [
          "30-year fixed purchase",
          "6.665% APR",
          "Publicly posted lender rate"
        ],
        "promo_note": null,
        "price_promo": null,
        "price_annual": null
      }
    ],
    "source": "render+llm"
  },
  "trust_or_rating_signal": [],
  "evidence_quality": "medium",
  "entity_type": "infrastructure",
  "regulated_data_suitability": "unclear",
  "evidence_urls": [
    "https://www.ratezip.com"
  ],
  "last_checked": "2026-10-23",
  "profile_checked": "2026-08-11",
  "price_checked": "2026-10-23",
  "how_to_connect": {
    "website": "https://www.ratezip.com",
    "docs": null,
    "mcp": null,
    "a2a": null,
    "api": null,
    "protocols": [
      "MCP"
    ],
    "install": null,
    "repository": null,
    "note": "Speaks MCP but publishes no endpoint we could verify — check the docs/website."
  },
  "deployment": {
    "model": "unknown",
    "both_offered": false,
    "hosted_endpoint": null,
    "install": null,
    "note": "No deployment evidence held — Agentery has no endpoint, install instruction or directory attribute for this listing.",
    "evidence": null
  },
  "licence": {
    "name": null,
    "note": "No named licence found in the retained page text or source attributes. A public repository alone does not establish an open-source licence.",
    "evidence": null
  },
  "evidence_checks": {
    "price": {
      "source_url": "https://www.ratezip.com/loanrates/hp-rf-v2/",
      "last_observed_day": "2026-10-23",
      "age_days": 4,
      "verified_day": "2026-10-23",
      "note": "verified = the page-text gate ran for that scan day (day-before/day-of text check)"
    },
    "agent_card": {
      "status": "unknown",
      "note": "no Agent Card URL recorded for this listing"
    },
    "endpoint": {
      "status": "unknown",
      "note": "endpoint not yet checked"
    }
  },
  "product_group": null,
  "liveness": {
    "probed": true,
    "alive": true,
    "endpoint_kind": "site",
    "latency_ms": 766,
    "uptime_7d": 1,
    "checked_at": "2026-10-27T02:43:17.090Z",
    "consecutive_failures": 0,
    "status": "alive"
  },
  "price_extras": {
    "free_tier": null,
    "unit_cost": null
  },
  "reported_success": null,
  "feedback": "If you actually use this provider, call report_outcome with the result. Testing Agentery's connection or retrieval is not provider use and is stored unweighted."
}