RateZip Bank Deposit and Mortgage Rates
Live US savings, CD, mortgage & HELOC rates with source + timestamp on every figure.
| Endpoint | https://mcp.ratezip.com/mcp (streamable-http) |
|---|---|
| Registry version | 1.0.0 |
| Now | 6 tools · grade A (90) · pin ts_983031e57393d78c992ce044d29e7059 · protocol 2025-06-18 |
| First / last listed | 2026-11-12 01:23 UTC / 2026-11-12 01:23 UTC |
| Grade over time | 2026-11-12: A (90), 6 tools |
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Tools: compare_deposit_options get_savings_rates get_cd_rates get_mortgage_rates compare_home_equity_payments calculate_deposit_earnings_difference
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_rate params: balance*, product, horizon_months, state, require_no_monthly_fee, require_no_direct_deposit |
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 Rat params: balance, state, credit_score, max_results, include_provenance |
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 applicatio params: term_months, balance, state, credit_score, max_results, include_provenance |
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 params: loan_type, loan_amount, state, credit_score, max_results, include_provenance |
compare_home_equity_payments | Calculate and compare home equity loan or HELOC monthly payments from explicit caller-supplied amount, note rate and term assumptions. Models fully amortizing repayment, an optional interest-only HELOC draw phase, a repayment rate change and one-time cash/financed fees. Returns both phase payments, payment change and modeled interest/cost totals. No lender quote, eligibility decision, rate selecti params: scenarios* |
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. params: balance*, current_apy_percent, comparison_apy_percent, years |
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