RateZip MCP

An official MCP server by RateZip that provides AI agents with access to live US financial data, including savings and CD APYs, mortgage and HELOC rates, and tools to compare deposit options, calculate earnings differences, and illustrate home equity payments.

Visit RateZip

Endpoint and access

No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.

Vendor evidenceStreamable HTTPNo sign-inEndpoint checked 2026-11-06Operated by RateZip

MCP endpoint (Streamable HTTP)

https://mcp.ratezip.com/mcp

Vendor documentation

What its tools do

6 tools, grouped by the hints the server advertises. Hints are self-declared, not verified behavior.

6 of 6 have a description · 6 of 6 declare behavior hints · 5 of 6 with parameters document them all

Checks and signals

Each line is separate evidence, not a trust score.

Passed Endpoint answered the live check · Nov 6, 2026, 2:25 PM UTC
Passed Official MCP Registry namespace is tied to ratezip.com · Nov 6, 2026, 1:58 PM UTC
Passed Endpoint is on the registry namespace domain · Nov 6, 2026, 1:58 PM UTC
Availability 1 of 1 checks passed in 30 days

What you can do with it

Retrieve current savings and CD rates with timestamps
Fetch mortgage and HELOC rates by loan type
Compare deposit options for specific balances and terms
Calculate earnings differences between savings APYs

Source and maintenance

Vendor evidenceRegistry 1.0.0

mcp-registry: com.ratezip/rates@1.0.0 Project website

Protocol and capabilities

Server: ratezip-rates 1.0.0
MCP protocol negotiated in check: 2025-11-25
Tools: 6 advertised
Resources: 2 advertised
Resource templates: 0 advertised
Prompts: Not advertised

Server-advertised capabilities

{
  "tools": {
    "listChanged": true
  },
  "resources": {
    "listChanged": true
  }
}

Server-provided instructions

Untrusted server output shown for inspection. It is not Koskamo guidance and is excluded from knowledge search.

Use RateZip for factual, source-attributed US deposit and mortgage rate information and explicitly assumed home equity payment scenarios. Never invent a rate, APY, APR, eligibility result, approval, personalized quote, or account-opening capability. When asked for the best rate, report the highest returned published figure and its conditions without endorsing or recommending an institution. For balance-specific deposit questions, use applicable_apy rather than headline APY and always disclose every balance_tier_adjustment returned by the tool. For loan amounts or credit scores, provide only the returned educational context; do not estimate a personal rate or invite the user to obtain a personalized quote. For home equity payment comparisons, use compare_home_equity_payments with explicit amount, note interest rate, term and any fee assumptions. Ask for missing inputs or agree on hypothetical examples; do not choose an invented personal rate. Show both HELOC phases, unknown fees and modeled costs. These calculations do not establish APR, qualification or a lender offer. If asked to open an account, explain that RateZip cannot open accounts or submit applications and direct the user to the institution's official channel without recommending a provider. If asked whether to move savings into stocks or another investment, explicitly state that RateZip provides factual rate data, not financial advice, and cannot recommend whether or how much to move. Do not give asset-allocation, emergency-fund, or investment-time-horizon rules; suggest a qualified fiduciary financial professional.

Tools

6 advertised

compare_deposit_options — Compare deposit rates for a balance and requirements

Advertised by the server during the last successful anonymous check.

Advertised 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.

compare_deposit_options input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "balance"
  ],
  "properties": {
    "state": {
      "type": "string"
    },
    "balance": {
      "type": "number",
      "maximum": 1000000000,
      "description": "Starting deposit in USD; no account identifiers needed",
      "exclusiveMinimum": 0
    },
    "product": {
      "enum": [
        "savings",
        "cd",
        "all"
      ],
      "type": "string",
      "default": "savings"
    },
    "horizon_months": {
      "type": "integer",
      "default": 12,
      "maximum": 120,
      "minimum": 1,
      "description": "Illustrative holding period. CD estimates require an exactly matching term"
    },
    "require_no_monthly_fee": {
      "type": "boolean",
      "default": false,
      "description": "Require zero monthly maintenance fee without a conditional waiver"
    },
    "require_no_direct_deposit": {
      "type": "boolean",
      "default": false,
      "description": "Require the published APY without direct deposit"
    }
  },
  "additionalProperties": false
}

compare_deposit_options annotations

{
  "title": "Compare deposit rates for a balance and requirements",
  "readOnlyHint": true,
  "openWorldHint": false,
  "destructiveHint": false
}

get_savings_rates — Get current US savings account rates

Advertised by the server during the last successful anonymous check.

Advertised 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.

get_savings_rates input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "properties": {
    "state": {
      "type": "string",
      "description": "Two-letter state — adds an availability/eligibility note"
    },
    "balance": {
      "type": "number",
      "description": "Deposit balance in USD — resolves the applicable tier APY and ranks by what you'd earn",
      "exclusiveMinimum": 0
    },
    "max_results": {
      "type": "integer",
      "maximum": 50,
      "minimum": 1,
      "description": "Cap the number of observed rows returned, in the payload's ordering. Omit for all."
    },
    "credit_score": {
      "type": "integer",
      "maximum": 850,
      "minimum": 300,
      "description": "FICO — deposit APYs generally don't vary by credit; returns a clarifying note only"
    },
    "include_provenance": {
      "type": "boolean",
      "description": "false omits the per-source provenance block (snapshot ids, attributions); each row keeps its own observed_at and source_url."
    }
  },
  "additionalProperties": false
}

get_savings_rates annotations

{
  "title": "Get current US savings account rates",
  "readOnlyHint": true,
  "openWorldHint": false,
  "destructiveHint": false
}

get_cd_rates — Get current US CD rates by term

Advertised by the server during the last successful anonymous check.

Advertised 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.

get_cd_rates input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "properties": {
    "state": {
      "type": "string",
      "description": "Two-letter state — adds an availability/eligibility note"
    },
    "balance": {
      "type": "number",
      "description": "Deposit balance in USD — resolves the applicable tier APY and ranks by what you'd earn",
      "exclusiveMinimum": 0
    },
    "max_results": {
      "type": "integer",
      "maximum": 50,
      "minimum": 1,
      "description": "Cap the number of observed rows returned, in the payload's ordering. Omit for all."
    },
    "term_months": {
      "type": "integer",
      "maximum": 120,
      "description": "CD term in months to filter to (omit for all terms)",
      "exclusiveMinimum": 0
    },
    "credit_score": {
      "type": "integer",
      "maximum": 850,
      "minimum": 300,
      "description": "FICO — deposit APYs generally don't vary by credit; returns a clarifying note only"
    },
    "include_provenance": {
      "type": "boolean",
      "description": "false omits the per-source provenance block (snapshot ids, attributions); each row keeps its own observed_at and source_url."
    }
  },
  "additionalProperties": false
}

get_cd_rates annotations

{
  "title": "Get current US CD rates by term",
  "readOnlyHint": true,
  "openWorldHint": false,
  "destructiveHint": false
}

get_mortgage_rates — Get current US mortgage rates

Advertised by the server during the last successful anonymous check.

Advertised 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.

get_mortgage_rates input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "properties": {
    "state": {
      "type": "string",
      "description": "Two-letter state — adds an availability/licensing note"
    },
    "loan_type": {
      "type": "string",
      "description": "Loan type to filter to, e.g. '30-year fixed', '15-year fixed', or 'HELOC'. Omit for all."
    },
    "loan_amount": {
      "type": "number",
      "description": "Loan amount in USD — flags conforming vs jumbo (does not fabricate a rate)",
      "exclusiveMinimum": 0
    },
    "max_results": {
      "type": "integer",
      "maximum": 50,
      "minimum": 1,
      "description": "Cap the number of observed rows returned, in the payload's ordering. Omit for all."
    },
    "credit_score": {
      "type": "integer",
      "maximum": 850,
      "minimum": 300,
      "description": "FICO — returns EDUCATIONAL context only; never a fabricated credit-adjusted rate"
    },
    "include_provenance": {
      "type": "boolean",
      "description": "false omits the per-source provenance block (snapshot ids, attributions); each row keeps its own observed_at and source_url."
    }
  },
  "additionalProperties": false
}

get_mortgage_rates annotations

{
  "title": "Get current US mortgage rates",
  "readOnlyHint": true,
  "openWorldHint": false,
  "destructiveHint": false
}

compare_home_equity_payments — Compare home equity payment scenarios

Advertised by the server during the last successful anonymous check.

Advertised read-only

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 selection or APR calculation. Missing fees stay unknown. No personal identifiers needed.

compare_home_equity_payments input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "scenarios"
  ],
  "properties": {
    "scenarios": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "label",
          "product_type",
          "amount_borrowed",
          "annual_interest_rate_percent",
          "repayment_months"
        ],
        "properties": {
          "fees": {
            "type": "object",
            "required": [
              "upfront_cash",
              "financed"
            ],
            "properties": {
              "financed": {
                "type": "number",
                "maximum": 1000000,
                "minimum": 0,
                "description": "One-time fees added to the balance, in USD. Do not include these in amount_borrowed."
              },
              "upfront_cash": {
                "type": "number",
                "maximum": 1000000,
                "minimum": 0,
                "description": "One-time fees paid in cash, in USD. Enter 0 only if explicitly assumed or confirmed."
              }
            },
            "description": "Optional one-time fee assumptions. Omit if unknown; omitted fees are excluded, not represented as confirmed zero.",
            "additionalProperties": false
          },
          "label": {
            "type": "string",
            "maxLength": 80,
            "minLength": 1,
            "description": "Short scenario name; do not include personal identifiers."
          },
          "product_type": {
            "enum": [
              "home_equity_loan",
              "heloc"
            ],
            "type": "string"
          },
          "amount_borrowed": {
            "type": "number",
            "maximum": 10000000,
            "description": "USD cash borrowed or initially drawn, excluding any financed fees.",
            "exclusiveMinimum": 0
          },
          "repayment_months": {
            "type": "integer",
            "maximum": 600,
            "minimum": 1,
            "description": "Number of fully amortizing monthly payments AFTER any interest-only phase."
          },
          "interest_only_months": {
            "type": "integer",
            "default": 0,
            "maximum": 120,
            "minimum": 0,
            "description": "HELOC only: assumed interest-only draw months, followed by full amortization. No additional draws."
          },
          "annual_interest_rate_percent": {
            "type": "number",
            "maximum": 40,
            "minimum": 0,
            "description": "Caller-supplied note interest rate, not APR; 8 means 8%. Do not infer a borrower's rate."
          },
          "repayment_interest_rate_percent": {
            "type": "number",
            "maximum": 40,
            "minimum": 0,
            "description": "Optional rate-change scenario at the start of repayment after interest-only months. Otherwise the same rate continues."
          }
        },
        "additionalProperties": false
      },
      "maxItems": 8,
      "minItems": 1,
      "description": "One to eight explicit payment assumptions. Ask for missing amount, note rate and term, or clearly agree on hypothetical examples."
    }
  },
  "additionalProperties": false
}

compare_home_equity_payments annotations

{
  "title": "Compare home equity payment scenarios",
  "readOnlyHint": true,
  "openWorldHint": false,
  "destructiveHint": false
}

calculate_deposit_earnings_difference — Illustrative deposit earnings difference

Advertised by the server during the last successful anonymous check.

Advertised 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.

calculate_deposit_earnings_difference input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "balance"
  ],
  "properties": {
    "years": {
      "type": "number",
      "default": 1,
      "maximum": 50,
      "description": "Horizon in years (APY compounds annually)",
      "exclusiveMinimum": 0
    },
    "balance": {
      "type": "number",
      "description": "Deposit balance in USD",
      "exclusiveMinimum": 0
    },
    "current_apy_percent": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "APY the money earns today (%); defaults to the FDIC national average savings rate"
    },
    "comparison_apy_percent": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "APY to compare against (%); defaults to the highest RateZip-observed savings APY"
    }
  },
  "additionalProperties": false
}

calculate_deposit_earnings_difference annotations

{
  "title": "Illustrative deposit earnings difference",
  "readOnlyHint": true,
  "openWorldHint": false,
  "destructiveHint": false
}

Prompts

Not advertised

No prompt definitions available.

Resources

2 advertised

rates-cards-widget — RateZip rate cards

Advertised by the server during the last successful anonymous check.

rates-cards-widget URI

ui://ratezip/rates-cards-v2.html

MIME type: text/html;profile=mcp-app

rates-cards-widget-legacy — RateZip rate cards (legacy)

Advertised by the server during the last successful anonymous check.

rates-cards-widget-legacy URI

ui://ratezip/rates-cards.html

MIME type: text/html+skybridge

90-day uptime

A lightweight connection check about every six hours, sampled on hosts with many listings. It shows the server answered, not that its tools work.

Too few checks for a percentage yet (2 of 2 answered).

2026-11-06: 1 of 1 checks answered
2026-11-07: 1 of 1 checks answered

30-day availability

Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.

Successful checks: 1 of 1 (100%)
Average latency: 898 ms
95th percentile latency: 898 ms

Maintenance history

Public check and source-refresh events. Editorial and ownership records remain private.

Nov 6, 2026, 2:25 PM UTC · probe · passed · 898 ms · metadata changed · 6 tool(s), 2 resource(s), 0 resource template(s)

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers the remote server. Use --scope project to write .mcp.json for the repo.

Claude Code configuration

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

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).

Codex configuration

codex mcp add ratezip-mcp --url https://mcp.ratezip.com/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable ratezip-mcp in your MCP settings.

Cursor configuration

{
  "mcpServers": {
    "ratezip-mcp": {
      "url": "https://mcp.ratezip.com/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).

Cline configuration

{
  "mcpServers": {
    "ratezip-mcp": {
      "type": "streamableHttp",
      "url": "https://mcp.ratezip.com/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start ratezip-mcp and inspect its tools.

VS Code configuration

{
  "servers": {
    "ratezip-mcp": {
      "type": "http",
      "url": "https://mcp.ratezip.com/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.

Gemini CLI configuration

gemini mcp add --transport http ratezip-mcp https://mcp.ratezip.com/mcp

Claude Desktop

Open Claude Settings > Connectors > Add custom connector, enter this server URL and enable it for the conversation. This is a manual remote-connector handoff, not a desktop JSON configuration.

Claude Desktop configuration

https://mcp.ratezip.com/mcp

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.

Windsurf configuration

{
  "mcpServers": {
    "ratezip-mcp": {
      "serverUrl": "https://mcp.ratezip.com/mcp"
    }
  }
}

Let your agent find its tools

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Do you run RateZip MCP?

Prove ownership with a DNS record, a well-known file, or your Official MCP Registry entry, and your edits publish immediately. Proofs are re-checked weekly; admins can still hide or remove a listing.

Claim this listing

RateZip MCP

Endpoint and access

What its tools do

Read-only (6)

Checks and signals

What you can do with it

Source and maintenance

Protocol and capabilities

Server-provided instructions

Tools

Prompts

Resources

90-day uptime

30-day availability

Maintenance history

Connect from your client

Claude Code

Codex

Cursor

Cline

VS Code

Gemini CLI

Claude Desktop

Windsurf

Let your agent find its tools

Other data and analytics servers

Do you run RateZip MCP?