RateZip Bank Deposit and Mortgage Rates
Live US savings, CD, mortgage & HELOC rates with source + timestamp on every figure.
Connect it
Settings → Connectors → Add custom connector
URL: https://mcp.ratezip.com/mcpSettings → Apps & Connectors → Advanced → Developer mode
Create connector with URL: https://mcp.ratezip.com/mcp{
"mcpServers": {
"rates": {
"url": "https://mcp.ratezip.com/mcp"
}
}
}claude mcp add --transport http rates https://mcp.ratezip.com/mcp{
"servers": {
"rates": {
"type": "http",
"url": "https://mcp.ratezip.com/mcp"
}
}
}5 tools, verified live
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_rate
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 Rat
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 applicatio
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
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.
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