ChatGPT Plugin

RateZip Deposit/Mortgage Rates

Current US APYs & loan rates

Brand: RateZip

Category: Finance
Primary Subcategory: Banking & Business Banking

Integration details

Description

RateZip Deposit and Mortgage Rates gives your assistant current, timestamped, source-attributed US consumer rate information from sources covered by RateZip: high-yield savings and money-market APYs, CD APYs by term, fixed-mortgage rates and APRs, and home-equity/HELOC APRs. Each figure includes when it was observed, its source, and a freshness status; data outside its serving window is withheld rather than presented as current. For deposit comparisons, enter a balance and RateZip will apply each account’s published balance tier. For mortgage context, enter a loan amount to compare it with applicable conforming and jumbo limits. Rates and APYs can change, and published information is not an offer, rate lock, approval, earnings guarantee, personalized lender quote, or financial advice. RateZip does not open accounts, submit applications, underwrite credit, or conduct transactions. Operated by Peklava LLC d/b/a RateZip, NMLS ID 1592292. Equal Housing Opportunity.

Integration type: Plugin
Verification status: Not applicable
Platform: ChatGPT
Category: Finance
Primary Subcategory: Banking & Business Banking
Secondary Subcategories: None listed
Brand: RateZip
Access: No account required
First tracked: 2026-08-26
Tool count: 5
Geography: US

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Primary Subcategory

Competing in ChatGPT Banking & Business Banking

View Category

Listed in alphabetical order

Primary Subcategory

AirwallexComing soonGet notified

Cardwell: Credit Card PickerComing soonGet notified

Dakota PlatformComing soonGet notified

FoundComing soonGet notified

Garanti BBVAComing soonGet notified

RateZip Deposit/Mortgage RatesComing soonGet notified

Tools

5 tools agents can invoke

Compare observed US savings and CD APYs for a balance, holding period, state, monthly-fee and direct-deposit requirements. Returns sourced facts, unknown/conflicting terms and conditional gross-interest illustrations. Unknown terms never count as a match. No eligibility decision, personalized offer, application or account opening. Use for a multi-constraint deposit comparison; use get_savings_rates/get_cd_rates for simple rate lookups.
compare_deposit_options
Current CD APYs: FDIC national averages by term plus RateZip-observed institution rates (with terms, minimums/conditions, observation timestamps, sources, and staleness status). Pass term_months (e.g. 3, 6, 12, 24, 36, 60) to filter to one term; omit for all terms grouped by term. Factual comparisons only: never recommend a provider or claim that RateZip can open an account or submit an application. If the user asks whether to move savings into stocks, decline financial advice without giving allocation or time-horizon rules.
get_cd_rates
Current mortgage rates grouped by loan type: rates RateZip observed on lenders' own published rate pages, each with note rate, APR, representative-scenario conditions, observation timestamp, source, and staleness status. No third-party national-average benchmark is redistributed. Loan types include '30-year fixed' and 'HELOC'. Pass loan_type to filter to one; omit for all grouped by type. Compare only within the same loan type. Factual rate data only: never estimate or invite a personalized quote, imply approval, or recommend a lender. Pass max_results to cap the number of rows and include_provenance=false for a shorter response.
get_mortgage_rates
Current savings APYs: FDIC national average plus rates RateZip observed on institutions' own published rate pages. Every row carries an observation timestamp, source, and staleness status. Optional balance/state/credit_score personalize the results transparently (balance resolves the applicable tier APY; nothing is fabricated). Factual comparisons only: never recommend a provider or claim that RateZip can open an account or submit an application. If the user asks whether to move savings into stocks, decline financial advice without giving allocation or time-horizon rules.
get_savings_rates
Illustrative annualized earnings difference between two savings APYs for a given balance and horizon. Defaults: current = FDIC national average savings rate, comparison = highest RateZip-observed savings APY. States every omission (taxes, penalties, rate changes, tiers, availability). Not financial advice; never use the result to recommend an investment allocation.
calculate_deposit_earnings_difference

FAQs

RateZip Deposit/Mortgage Rates ChatGPT Plugin FAQ

How the directory, categories and Discoverability Score work.

Read the methodology

How do I improve RateZip Deposit/Mortgage Rates's ChatGPT Plugin discoverability?

The levers are the listing surface agents actually read: names, descriptions, keywords, tool metadata, and registry health. Which lever matters depends on where discovery breaks, which is what continuous measurement shows.

What are RateZip Deposit/Mortgage Rates alternatives on ChatGPT?

As of 2026-10-10, RateZip Deposit/Mortgage Rates competes with Airwallex, Cardwell: Credit Card Picker, Dakota Platform, Found, Garanti BBVA, Halkbank, Itau Chile, Kalkınma Yatırım Bankası and 5 more in ChatGPT Banking & Business Banking, ranked by public Discoverability Score.

Where is this profile measured?

This profile uses the geography attached to the latest public registry snapshot: US. Locale tags are intentionally omitted.