RateZip Bank Deposit and Mortgage Rates

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How to connect

Add it to any MCP client that supports remote servers.

{
  "mcpServers": {
    "ratezip-bank-deposit-and-mortgage-rates": {
      "type": "http",
      "url": "https://mcp.ratezip.com/mcp"
    }
  }
}

5 tools

• 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…

• 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…

• 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…

• 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…

• 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…

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