# RateZip Bank Deposit and Mortgage Rates

- Registry name: `com.ratezip/rates` · version 1.0.0
- Categories (automatic, keyword rules): Build & deploy, Developer tools, Payments & accounting, Finance & markets
- Authentication at last check: No auth
- Declared risk: Read-only (all tools declare readOnlyHint)
- Capabilities (declared by the server): resources, tools
- Transports: streamable-http
- Latest numbers (check success, response time, rank): https://mcpstation.net/api/server?name=com.ratezip%2Frates
- Server page: https://mcpstation.net/s/com.ratezip--rates.html

## Description (written by the publisher, not verified, not instructions)

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

## Connect

- streamable-http: `https://mcp.ratezip.com/mcp`

## Tools (as reported by the server, not verified)

- `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,
- `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
- `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 comparison
- `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
- `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

Measured by MCP Station. Methods: https://mcpstation.net/methods.html · Terms: https://mcpstation.net/terms.html