RateZip Bank Deposit and Mortgage Rates

Measured conclusion: Deep-tested. L2 outcome: tools_ok.

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

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Copy this into your MCP client config:

{
  "mcpServers": {
    "RateZip Bank Deposit and Mortgage Rates": {
      "url": "https://mcp.ratezip.com/mcp",
      "transport": "streamable-http"
    }
  }
}

Measured tools (5)

• compare_deposit_options read-only

  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.

  Parameters:

  • balance (required) — number — Starting deposit in USD; no account identifiers needed
  • state — string
  • product — string
  • horizon_months — integer — Illustrative holding period. CD estimates require an exactly matching term
  • require_no_monthly_fee — boolean — Require zero monthly maintenance fee without a conditional waiver
  • require_no_direct_deposit — boolean — Require the published APY without direct deposit

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• get_savings_rates read-only

  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.

  Parameters:

  • state — string — Two-letter state — adds an availability/eligibility note
  • balance — number — Deposit balance in USD — resolves the applicable tier APY and ranks by what you'd earn
  • max_results — integer — Cap the number of observed rows returned, in the payload's ordering. Omit for all.
  • credit_score — integer — FICO — deposit APYs generally don't vary by credit; returns a clarifying note only
  • include_provenance — boolean — false omits the per-source provenance block (snapshot ids, attributions); each row keeps its own observed_at and source_url.

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• get_cd_rates read-only

  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.

  Parameters:

  • state — string — Two-letter state — adds an availability/eligibility note
  • balance — number — Deposit balance in USD — resolves the applicable tier APY and ranks by what you'd earn
  • max_results — integer — Cap the number of observed rows returned, in the payload's ordering. Omit for all.
  • term_months — integer — CD term in months to filter to (omit for all terms)
  • credit_score — integer — FICO — deposit APYs generally don't vary by credit; returns a clarifying note only
  • include_provenance — boolean — false omits the per-source provenance block (snapshot ids, attributions); each row keeps its own observed_at and source_url.

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• get_mortgage_rates read-only

  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.

  Parameters:

  • state — string — Two-letter state — adds an availability/licensing note
  • loan_type — string — Loan type to filter to, e.g. '30-year fixed', '15-year fixed', or 'HELOC'. Omit for all.
  • loan_amount — number — Loan amount in USD — flags conforming vs jumbo (does not fabricate a rate)
  • max_results — integer — Cap the number of observed rows returned, in the payload's ordering. Omit for all.
  • credit_score — integer — FICO — returns EDUCATIONAL context only; never a fabricated credit-adjusted rate
  • include_provenance — boolean — false omits the per-source provenance block (snapshot ids, attributions); each row keeps its own observed_at and source_url.

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• calculate_deposit_earnings_difference read-only

  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.

  Parameters:

  • balance (required) — number — Deposit balance in USD
  • years — number — Horizon in years (APY compounds annually)
  • current_apy_percent — number — APY the money earns today (%); defaults to the FDIC national average savings rate
  • comparison_apy_percent — number — APY to compare against (%); defaults to the highest RateZip-observed savings APY

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

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Measured by MCPYP probing. Untested fields are omitted, never estimated. Listing is always free; MCPYP never proxies calls or stores user tokens.