MonitorBankRates is answering right now. Last checked 3 min ago. It exposes 8 tools.
Live US bank and credit union rates, mortgage lenders, and housing and insurance indexes.
Uptime history
24 hours of history
24 hours agonow
100.0%
Uptime 24h
90 of 90 checks
8
Tools
read from the server
128 ms
Response time
average over 24h
authentication required
Access
streamable-http
Nothing serious here today
Today is the operative word: we check MonitorBankRates every 15 minutes and re-read its code on every release. Watch it and you find out the day that stops being true.
Connect this server
Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 3 min ago.
run in your terminal
claude mcp add rates --transport http https://mcp.monitorbankrates.com/mcpSettings → Connectors → Add custom connector, then paste this address
https://mcp.monitorbankrates.com/mcp~/.codex/config.toml
[mcp_servers.rates]
url = "https://mcp.monitorbankrates.com/mcp".cursor/mcp.json
{
"mcpServers": {
"rates": {
"url": "https://mcp.monitorbankrates.com/mcp"
}
}
}.vscode/mcp.json
{
"servers": {
"rates": {
"type": "http",
"url": "https://mcp.monitorbankrates.com/mcp"
}
}
}This endpoint answered with an authorization challenge. The server is running, but it did not say what kind of credentials it expects.
Available tools 8
Read directly from the server with tools/list, grouped by what they act on.
If a tool disappears, we record the date.
average
get_average_rates
MonitorBankRates national or state average rates (APY for deposits, APR for loans) computed daily from every published rate across 8,000+ banks and credit unions. Returns the latest value, change over 1 week / 1 month / 3 months, institution and quote counts, and a daily history. Good for "what are CD rates doing", "average mortgage rate in Texas", "average refinance rate", "are savings rates falling".
best
get_best_rates
Top live rates from MonitorBankRates.com for one product (CDs by term, savings, money market, checking, mortgages, refinance, home equity, auto loans, personal loans, credit cards), nationally, for one U.S. state, or for a city (local branches first). Returns one best quote per institution with the institution health grade, minimum deposit, as-of date, and a link. Use list_rate_keys to see valid product_key values (e.g. "12-month", "high-yield_savings", "30-year", "refinance-30-year", "new-auto").
calculate
calculate_loan
Payment estimates at today's MonitorBankRates average rate for the state (or national), or a rate you pass. calculator = mortgage (monthly principal and interest; pass amount, or home_price and optional down_payment), refinance (new payment, and with current_rate the monthly savings and breakeven months), home_equity_loan (fixed payment), heloc (interest only payment during the draw period, payment once repayment starts, and the payment if the rate rises 1 point), or auto. Returns the inputs and assumptions used and a link to the matching MonitorBankRates calculator page.
index
get_index
MonitorBankRates proprietary indexes. "hai" = MBR Housing Affordability Index (daily; 100 = median household exactly affords the median home at today's average 30-year rate; higher is more affordable), with national score, state score and rank, and 90-day history; with a city, the city score, its rank in the state, and the home value, income and payment behind it. "hibi" = Home Insurance Burden Index and "aibi" = Auto Insurance Burden Index (annual; 100 = U.S. average burden; higher is heavier), with state rankings plus an estimated monthly homeowners or car insurance cost for the state or city, by insurer, with the cheapest insurer.
institution
get_institution
All current deposit and loan rates MonitorBankRates tracks for one bank or credit union, plus its MBR health letter grade, star rating, Texas ratio, branch states, and page link. Pass the slug from search_institutions.
institutions
search_institutions
Search MonitorBankRates' directory of 8,000+ U.S. banks and credit unions by name. Returns matches with type, home state, MBR health grade, how many rates are tracked, and the slug to pass to get_institution.
mortgage
get_mortgage_lenders
Mortgage lenders and brokers in a U.S. state or city, ranked by home loans closed in the latest federal HMDA (Home Mortgage Disclosure Act) data, from the MonitorBankRates lender directory. Returns each lender's loans closed, market share, approval share, median loan, loan programs (Conventional, FHA, VA, USDA, Jumbo, HELOC), headquarters, and MBR health grade for banks and credit unions. Good for "best mortgage lenders in Florida", "FHA lenders in Tampa", "credit unions that do mortgages in Ohio".
rate
list_rate_keys
Lists every rate key accepted by get_best_rates and get_average_rates with its label, product group, and whether it is measured as APY (deposits) or APR (loans). Also lists U.S. state codes.
Endpoints
| URL | Transport | State | Latency | Checked |
|---|---|---|---|---|
| https://mcp.monitorbankrates.com/mcp | streamable-http | needs auth | 151 ms | 3 min ago |
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MonitorBankRates — questions
Answers built from our own checks of this server.
What can MonitorBankRates do?
It exposes 8 tools, read directly from the server on our last check. Among them: calculate_loan, get_average_rates, get_best_rates, get_index, get_institution, get_mortgage_lenders and 2 more. The full list with descriptions is on this page — we take it from the server itself via tools/list, not from a README.
How MCP servers expose tools in the first place →
Is MonitorBankRates working right now?
We send a real MCP handshake every 15 minutes. Over the last 24 hours 90 of 90 checks got a reply (100.0%), average response time 128 ms. The bar chart above shows every period we have measured.
How do I connect MonitorBankRates?
Copy the ready config from this page. We generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each in the form that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address. You will need your own credentials: it refuses anonymous clients.
Does MonitorBankRates need an API key?
Yes. Every time we knock, MonitorBankRates answers with an authorization challenge instead of its tool list — that is how we know it is running and gated rather than broken. Bring your own credentials and it will talk.
How fast is MonitorBankRates?
It answers our handshake in 128 ms on average, which is faster than 87% of all working MCP servers we measure. That puts it in the quick quarter of the ecosystem. The comparison comes from our own checks across the whole registry, every 15 minutes.