RateZip Bank Deposit and 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.

{
  "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#"
}

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.

{
  "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#"
}

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.

{
  "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#"
}

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.

{
  "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#"
}