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RateZip Bank Deposit and Mortgage Rates

R0· no sign-in

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

v1.0.0 · active · website · descriptor JSON · versions

An agent can connect right now, no human step.Remote endpoint, no authentication, reachable on the last probe.
Quality85good
Trust79of 100
Uptime, 30 days98%
Latency p50195 ms

Connect

8 clients · secrets stay placeholders
{
  "mcpServers": {
    "rates": {
      "type": "http",
      "url": "https://mcp.ratezip.com/mcp"
    }
  }
}
claude mcp add --transport http rates https://mcp.ratezip.com/mcp
[mcp_servers.rates]
url = "https://mcp.ratezip.com/mcp"

{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "rates": {
      "type": "remote",
      "url": "https://mcp.ratezip.com/mcp",
      "enabled": true
    }
  }
}
{
  "mcpServers": {
    "rates": {
      "type": "http",
      "url": "https://mcp.ratezip.com/mcp"
    }
  },
  "deeplink": "cursor://anysphere.cursor-deeplink/mcp/install?name=rates&config=eyJ0eXBlIjoiaHR0cCIsInVybCI6Imh0dHBzOi8vbWNwLnJhdGV6aXAuY29tL21jcCJ9"
}
{
  "servers": {
    "rates": {
      "type": "http",
      "url": "https://mcp.ratezip.com/mcp"
    }
  }
}
{
  "mcpServers": {
    "rates": {
      "httpUrl": "https://mcp.ratezip.com/mcp"
    }
  }
}
extensions:
  "rates":
    enabled: true
    name: "rates"
    type: streamable_http
    uri: "https://mcp.ratezip.com/mcp"
    timeout: 300

Quality 85 / 100good

protocol75 · weight 25
  • warn
    protocol.modernnewest supported version is 2025-11-25; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
  • n/a
    protocol.statelessonly applies to 2026-07-28 servers
  • pass
    protocol.transportstreamable HTTP
  • n/a
    protocol.list_ttlonly applies to 2026-07-28 servers
authorizationn/a · weight 15
  • n/a
    auth.prm, auth.as_metadata, auth.cimdno remote uses OAuth
  • n/a
    auth.secret_in_urlno templated URL
tool hygiene86 · weight 30
  • pass
    tools.descriptionsevery tool has a description
  • pass
    tools.description_lengthdescriptions are concise
  • pass
    tools.schemasevery tool has an object input schema
  • pass
    tools.annotations5 of 5 tools declare readOnlyHint or destructiveHint
  • fail
    tools.directory_hintsno tool declares all four of readOnlyHint, destructiveHint, idempotentHint and openWorldHint; missing: get_savings_rates (idempotentHint); get_cd_rates (idempotentHint); get_mortgage_rates (idempotentHint); …
  • pass
    tools.token_costabout 1,968 tokens to load every tool
  • pass
    tools.api_dumptools are not a one-to-one API dump
stability100 · weight 15
  • pass
    stability.changes4 tool changes in 30 days
  • pass
    stability.rug_pullno tool changed its meaning under the same name
dependenciesn/a · weight 15
  • n/a
    deps.known_vulns, deps.mcp_sdk_version, deps.resolvableno npm or PyPI package

5 tools, about 1,968 tokens to load them all · tool set 39a53f699dce · tools last changed 2026-10-08 · checked 2026-10-20 09:31 UTC

Tool changes

  • get_mortgage_rateschangeddescription, input schema
    before

    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.

    after · 87% of words in common

    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_cd_rateschangeddescription, input schema
    before

    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.

    after · 80% of words in common

    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. If no institution publishes the requested term, the result names the terms that are available. Pass max_results to cap the number of rows and include_provenance=false for a shorter response.

  • get_savings_rateschangeddescription, input schema
    before

    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.

    after · 86% of words in common

    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. Pass max_results to cap the number of rows and include_provenance=false for a shorter response.

  • compare_deposit_optionsadded

    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.

Full history: list_changes · trend: quality JSON.

Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed. How it is computed.

Trust 79 / 100

no-repository
provenance55
liveness99
freshness85
hygiene80

+dns-namespace +website +reachable +uptime-98% ~updated-72d-ago -no-repository

Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed. How it is computed.

Endpoints

remoteauthreachableuptime 30dp50protocollast ok
https://mcp.ratezip.com/mcp streamable-httpnoneyes98%195 ms2025-11-252026-10-20

Tools (5)

calculate_deposit_earnings_differenceread-onlyIllustrative 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.
compare_deposit_optionsread-onlyCompare 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.
get_cd_ratesread-onlyCurrent 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. If no institution publishes the requested term, the result names the terms that are available. Pass max_results to cap the number of rows and include_provenance=false for a shorter response.
get_mortgage_ratesread-onlyCurrent 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_savings_ratesread-onlyCurrent 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. Pass max_results to cap the number of rows and include_provenance=false for a shorter response.

Schemas: list_tools.

Similar MCP servers

Official server.json
{
  "name": "com.ratezip/rates",
  "title": "RateZip Bank Deposit and Mortgage Rates",
  "$schema": "https://static.modelcontextprotocol.io/schemas/2025-12-11/server.schema.json",
  "remotes": [
    {
      "url": "https://mcp.ratezip.com/mcp",
      "type": "streamable-http"
    }
  ],
  "version": "1.0.0",
  "websiteUrl": "https://www.ratezip.com",
  "description": "Live US savings, CD, mortgage & HELOC rates with source + timestamp on every figure."
}