{
  "protocolVersion": "0.3.0",
  "name": "RateAPI",
  "description": "Live, evidence-backed lending and deposit rates from 3,700+ US credit unions. Every rate is backed by a verbatim snippet from the credit union’s own rate page, carries an observed timestamp, and is ranked by true cost — no affiliate placement, no lead selling.",
  "url": "https://mcp.rateapi.dev/mcp",
  "preferredTransport": "http",
  "version": "1.0.0",
  "iconUrl": "https://rateapi.dev/logo.png",
  "documentationUrl": "https://rateapi.dev/developers",
  "provider": {
    "organization": "RateAPI",
    "url": "https://rateapi.dev"
  },
  "contact": {
    "url": "https://rateapi.dev/contact",
    "corrections": "https://rateapi.dev/corrections"
  },
  "capabilities": {
    "streaming": false,
    "pushNotifications": true,
    "stateTransitionHistory": false,
    "extensions": [
      {
        "uri": "https://modelcontextprotocol.io",
        "description": "MCP server with 81 tools at https://mcp.rateapi.dev/mcp"
      },
      {
        "uri": "https://spec.openapis.org/oas/v3.1",
        "description": "REST API described by https://api.rateapi.dev/openapi.json"
      }
    ]
  },
  "defaultInputModes": [
    "application/json",
    "text/plain"
  ],
  "defaultOutputModes": [
    "application/json",
    "text/plain"
  ],
  "securitySchemes": {
    "apiKey": {
      "type": "apiKey",
      "in": "header",
      "name": "x-api-key"
    },
    "oauth2": {
      "type": "oauth2",
      "flows": {
        "authorizationCode": {
          "authorizationUrl": "https://mcp.rateapi.dev/oauth/authorize",
          "tokenUrl": "https://mcp.rateapi.dev/oauth/token",
          "scopes": {}
        }
      }
    }
  },
  "security": [
    {
      "apiKey": []
    },
    {
      "oauth2": []
    }
  ],
  "skills": [
    {
      "id": "credit-union-discovery",
      "name": "Find and evaluate nearby credit unions",
      "description": "Find credit unions near a ZIP, inspect their current rates and source-labelled NCUA profiles, then evaluate published membership paths before recommending one.",
      "tags": [
        "institution",
        "consumer",
        "credit-unions",
        "rates"
      ],
      "inputModes": [
        "application/json",
        "text/plain"
      ],
      "outputModes": [
        "application/json"
      ],
      "documentationUrl": "https://rateapi.dev/skills"
    },
    {
      "id": "rate-shopping",
      "name": "Rate shopping & comparison",
      "description": "Rank live credit-union mortgage offers for a borrower and explain why each ranked where it did.",
      "tags": [
        "shopping",
        "consumer",
        "credit-unions",
        "rates"
      ],
      "inputModes": [
        "application/json",
        "text/plain"
      ],
      "outputModes": [
        "application/json"
      ],
      "documentationUrl": "https://rateapi.dev/skills"
    },
    {
      "id": "affordability",
      "name": "Home affordability estimate",
      "description": "Compute max monthly payment, max loan amount, and max home price from income, debts, and DTI caps.",
      "tags": [
        "affordability",
        "consumer",
        "credit-unions",
        "rates"
      ],
      "inputModes": [
        "application/json",
        "text/plain"
      ],
      "outputModes": [
        "application/json"
      ],
      "documentationUrl": "https://rateapi.dev/skills"
    },
    {
      "id": "refinance-break-even",
      "name": "Refinance break-even",
      "description": "Given a current loan and refinance costs, compute break-even months and lifetime savings against live rates.",
      "tags": [
        "refinance",
        "consumer",
        "credit-unions",
        "rates"
      ],
      "inputModes": [
        "application/json",
        "text/plain"
      ],
      "outputModes": [
        "application/json"
      ],
      "documentationUrl": "https://rateapi.dev/skills"
    },
    {
      "id": "rate-monitoring",
      "name": "Rate monitoring & alerts",
      "description": "Watch rates for a market segment and fire webhooks/alerts on material changes, or subscribe consumers to email alerts.",
      "tags": [
        "monitoring",
        "developer",
        "credit-unions",
        "rates"
      ],
      "inputModes": [
        "application/json",
        "text/plain"
      ],
      "outputModes": [
        "application/json"
      ],
      "documentationUrl": "https://rateapi.dev/skills"
    },
    {
      "id": "deposit-beta",
      "name": "Deposit beta (ALM)",
      "description": "Estimate deposit betas and benchmark deposit rates for treasury/ALM teams — how deposit pricing tracks the policy rate.",
      "tags": [
        "deposit",
        "treasury/ALM",
        "credit-unions",
        "rates"
      ],
      "inputModes": [
        "application/json",
        "text/plain"
      ],
      "outputModes": [
        "application/json"
      ],
      "documentationUrl": "https://rateapi.dev/skills"
    }
  ]
}