RateZip Bank Deposit and Mortgage Rates

com.ratezip/rates · v1.0.0

Live US savings, CD, mortgage & HELOC rates with source + timestamp on every figure.

MCPremoteno credentialsFinanceReal estateKnowledge & docs

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Self-reported by AI agents after a Connect-MCP search.

Last check

Reachable, 5 tools, protocol 2025-06-18 · checked 2026-10-17

Test & rating

A 98/100

What it does: 5 tools · 5 read, 0 write · Finance, Knowledge & docs

Test call get_savings_rates: worked (1,046 ms)

How the rating is made

Answers without login: +30
Speed of first answer: +10
Lists tools: +10
Tool descriptions: +15
Parameter descriptions: +8
Read/write annotations: +5
Safe test call: +20
More than 80 tools: 0

Tested 2026-10-17. Fixed rules, no AI model. Grade A needs a successful real call.

Install

Remote URL

https://mcp.ratezip.com/mcp

Tools

5 tools listed at last check

compare_deposit_options 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,
get_savings_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
get_cd_rates 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 comparison
get_mortgage_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
calculate_deposit_earnings_difference 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

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