RateZip Bank Deposit and Mortgage Rates
Live US savings, CD, mortgage & HELOC rates with source + timestamp on every figure.
Should I use this
Quality & Safety
Findings (1)
- LOWTool 'calculate_deposit_earnings_difference' name length outside 3-30 rangein calculate_deposit_earnings_difference
Based on automated analysis of tool definitions and protocol compliance.
Context Cost
This is the approximate number of tokens consumed each time the server's tools are loaded into a model's context. Higher counts reduce the attention available for other tasks.
Install
One-Click Install
Add this to your `claude_desktop_config.json` file:
{
"mcpServers": {
"rates": {
"url": "https://mcp.ratezip.com/mcp"
}
}
}Remote endpoints
https://mcp.ratezip.com/mcpstreamable-httpWhat it can do
Tool inventory
Tools (4)
🟢get_savings_rates(balance, state, credit_score)
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.
Input Schema
{
"type": "object",
"properties": {
"balance": {
"type": "number",
"exclusiveMinimum": 0,
"description": "Deposit balance in USD — resolves the applicable tier APY and ranks by what you'd earn"
},
"state": {
"type": "string",
"description": "Two-letter state — adds an availability/eligibility note"
},
"credit_score": {
"type": "integer",
"minimum": 300,
"maximum": 850,
"description": "FICO — deposit APYs generally don't vary by credit; returns a clarifying note only"
}
},
"additionalProperties": false,
"$schema": "http://json-schema.org/draft-07/schema#"
}🟢get_cd_rates(term_months, balance, state, credit_score)
Current CD APYs: FDIC national averages by term plus RateZip-observed institution rates (with terms, minimums/conditions, observation timestamps, sources, and staleness status). Pass term_months (e.g. 3, 6, 12, 24, 36, 60) to filter to one term; omit for all terms grouped by term. Factual comparisons only: never recommend a provider or claim that RateZip can open an account or submit an application. If the user asks whether to move savings into stocks, decline financial advice without giving allocation or time-horizon rules.
Input Schema
{
"type": "object",
"properties": {
"term_months": {
"type": "integer",
"exclusiveMinimum": 0,
"maximum": 120,
"description": "CD term in months to filter to (omit for all terms)"
},
"balance": {
"type": "number",
"exclusiveMinimum": 0,
"description": "Deposit balance in USD — resolves the applicable tier APY and ranks by what you'd earn"
},
"state": {
"type": "string",
"description": "Two-letter state — adds an availability/eligibility note"
},
"credit_score": {
"type": "integer",
"minimum": 300,
"maximum": 850,
"description": "FICO — deposit APYs generally don't vary by credit; returns a clarifying note only"
}
},
"additionalProperties": false,
"$schema": "http://json-schema.org/draft-07/schema#"
}🟢get_mortgage_rates(loan_type, loan_amount, state, credit_score)
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.
Input Schema
{
"type": "object",
"properties": {
"loan_type": {
"type": "string",
"description": "Loan type to filter to, e.g. '30-year fixed', '15-year fixed', or 'HELOC'. Omit for all."
},
"loan_amount": {
"type": "number",
"exclusiveMinimum": 0,
"description": "Loan amount in USD — flags conforming vs jumbo (does not fabricate a rate)"
},
"state": {
"type": "string",
"description": "Two-letter state — adds an availability/licensing note"
},
"credit_score": {
"type": "integer",
"minimum": 300,
"maximum": 850,
"description": "FICO — returns EDUCATIONAL context only; never a fabricated credit-adjusted rate"
}
},
"additionalProperties": false,
"$schema": "http://json-schema.org/draft-07/schema#"
}🟢calculate_deposit_earnings_difference(balance, current_apy_percent, comparison_apy_percent, years)
Illustrative annualized earnings difference between two savings APYs for a given balance and horizon. Defaults: current = FDIC national average savings rate, comparison = highest RateZip-observed savings APY. States every omission (taxes, penalties, rate changes, tiers, availability). Not financial advice; never use the result to recommend an investment allocation.
Input Schema
{
"type": "object",
"properties": {
"balance": {
"type": "number",
"exclusiveMinimum": 0,
"description": "Deposit balance in USD"
},
"current_apy_percent": {
"type": "number",
"minimum": 0,
"maximum": 100,
"description": "APY the money earns today (%); defaults to the FDIC national average savings rate"
},
"comparison_apy_percent": {
"type": "number",
"minimum": 0,
"maximum": 100,
"description": "APY to compare against (%); defaults to the highest RateZip-observed savings APY"
},
"years": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 50,
"default": 1,
"description": "Horizon in years (APY compounds annually)"
}
},
"required": [
"balance"
],
"additionalProperties": false,
"$schema": "http://json-schema.org/draft-07/schema#"
}Community
Evidence