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RateZip Bank Deposit and Mortgage Rates

by ratezip.com · remote · no sign-in to list tools · v1.0.0 · published by com.ratezip

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

Changes · 1
CompareRegistry entry

5 tools: 1 change things and 4 only read.

Scanned Oct 21, 2026

No check matched anything in the tool definitions. No finding is not a safety guarantee. How the checks work.

claude mcp add --transport http rates https://mcp.ratezip.com/mcp

Tools

Open a tool for its reasons and full description. Descriptions are the publisher's own words, shown as they are.

5 tools

Changes things 1Claude Code: ask
  • calculate_deposit_earnings_differenceIllustrative annualized earnings difference between two savings APYs for a given balance and horizon.No findings

    Why it is in this group

    • Nothing in its name or description says what it does, so it is counted as a write.
    • The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
    Description, as the server wrote it
    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.

    Annotations the server declares

    • readOnlyHint: true
    • destructiveHint: false
    • openWorldHint: false
    • title: Illustrative deposit earnings difference
Only reads 4Claude Code: allow
  • compare_deposit_optionsCompare observed US savings and CD APYs for a balance, holding period, state, monthly-fee and direct-deposit requirements.No findings

    Why it is in this group

    • The name "compare_deposit_options" says "compare": a word for reading.
    Description, as the server wrote it
    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.

    Annotations the server declares

    • readOnlyHint: true
    • destructiveHint: false
    • openWorldHint: false
    • title: Compare deposit rates for a balance and requirements
  • get_cd_ratesCurrent CD APYs: FDIC national averages by term plus RateZip-observed institution rates (with terms, minimums/conditions, observation timestamps, sources, and staleness status).No findings

    Why it is in this group

    • The name "get_cd_rates" says "get": a word for reading.
    Description, as the server wrote it
    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.

    Annotations the server declares

    • readOnlyHint: true
    • destructiveHint: false
    • openWorldHint: false
    • title: Get current US CD rates by term
  • get_mortgage_ratesCurrent mortgage rates grouped by loan type: rates RateZip observed on lenders' own published rate pages, each with note rate, APR, representative-scenario conditions, observation …No findings

    Why it is in this group

    • The name "get_mortgage_rates" says "get": a word for reading.
    Description, as the server wrote it
    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.

    Annotations the server declares

    • readOnlyHint: true
    • destructiveHint: false
    • openWorldHint: false
    • title: Get current US mortgage rates
  • get_savings_ratesCurrent savings APYs: FDIC national average plus rates RateZip observed on institutions' own published rate pages.No findings

    Why it is in this group

    • The name "get_savings_rates" says "get": a word for reading.
    Description, as the server wrote it
    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.

    Annotations the server declares

    • readOnlyHint: true
    • destructiveHint: false
    • openWorldHint: false
    • title: Get current US savings account rates

This is not a safety rating, and no finding is not a safety guarantee. The groups and findings come from fixed checks of the tool definitions the server returned on the date shown, not from its code or what it does when called. How the checks work.

Install

Pinned to version 1.0.0. Values in angle brackets are yours to fill in.

claude mcp add --transport http rates https://mcp.ratezip.com/mcp

Run in a terminal.

Claude Code permissions

Allow the reads, ask before a change, deny the deletes. Paste into .claude/settings.json.

.claude/settings.json
{
  "permissions": {
    "allow": [
      "mcp__rates__compare_deposit_options",
      "mcp__rates__get_savings_rates",
      "mcp__rates__get_cd_rates",
      "mcp__rates__get_mortgage_rates"
    ],
    "ask": [
      "mcp__rates__calculate_deposit_earnings_difference"
    ],
    "deny": []
  }
}

Tools that only read are allowed, tools that change things ask first, tools that delete or cancel are denied. It assumes the server is installed as rates. Review it before you use it.