RateZip Bank Deposit and Mortgage Rates MCP Server

by ratezip Your server? Claim it

answering

RateZip Bank Deposit and Mortgage Rates is answering right now. Last checked 2 min ago. It exposes 5 tools.

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

Uptime history 85 days of history · worst day 95%

85 days agonow

100.0%

Uptime 24h

92 of 92 checks

Tools

read from the server

242 ms

Response time

average over 24h

open, no key

Access

streamable-http

What changed 7

Every tool that appeared, vanished or quietly changed what it asks for. Recorded since 6 October 2026. No other catalogue keeps this.

8 Oct 3 tool descriptions were rewritten get_cd_rates, get_mortgage_rates, get_savings_rates

8 Oct 3 tools changed the parameters they ask for get_cd_rates, get_mortgage_rates, get_savings_rates

6 Oct a tool appeared compare_deposit_options

Nothing serious here today

Today is the operative word: we check RateZip Bank Deposit and Mortgage Rates 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 2 min ago.

Claude Code Claude Desktop Codex Cursor VS Code

run in your terminal

claude mcp add rates --transport http https://mcp.ratezip.com/mcp

Settings → Connectors → Add custom connector, then paste this address

https://mcp.ratezip.com/mcp

~/.codex/config.toml

[mcp_servers.rates]
url = "https://mcp.ratezip.com/mcp"

.cursor/mcp.json

{
  "mcpServers": {
    "rates": {
      "url": "https://mcp.ratezip.com/mcp"
    }
  }
}

.vscode/mcp.json

{
  "servers": {
    "rates": {
      "type": "http",
      "url": "https://mcp.ratezip.com/mcp"
    }
  }
}

Available tools 5

Read directly from the server with tools/list, grouped by what they act on. If a tool disappears, we record the date.

calculate

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 advice; never use the result to recommend an investment allocation.

compare

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, application or account opening. Use for a multi-constraint deposit comparison; use get_savings_rates/get_cd_rates for simple rate lookups.

mortgage

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 '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.

rates

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 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.

savings

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 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.

Endpoints

URL	Transport	State	Latency	Checked
https://mcp.ratezip.com/mcp	streamable-http	answering	211 ms	2 min ago

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RateZip Bank Deposit and Mortgage Rates — questions

Answers built from our own checks of this server.

What can RateZip Bank Deposit and Mortgage Rates do?

It exposes 5 tools, read directly from the server on our last check. Among them: calculate_deposit_earnings_difference, compare_deposit_options, get_cd_rates, get_mortgage_rates, get_savings_rates. 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 RateZip Bank Deposit and Mortgage Rates working right now?

We send a real MCP handshake every 15 minutes. Over the last 24 hours 92 of 92 checks got a reply (100.0%), average response time 242 ms. The bar chart above shows every period we have measured.

How do I connect RateZip Bank Deposit and Mortgage Rates?

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.

Does RateZip Bank Deposit and Mortgage Rates need an API key?

No. RateZip Bank Deposit and Mortgage Rates completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 5 of them are readable on this page. This is what we observed, not what the docs claim.

How fast is RateZip Bank Deposit and Mortgage Rates?

It answers our handshake in 242 ms on average, which is faster than 59% of all working MCP servers we measure. The comparison comes from our own checks across the whole registry, every 15 minutes.