RateZip Bank Deposit and Mortgage Rates is an MCP server with 4 tools an agent can call, among them calculate_deposit_earnings_difference, get_cd_rates, get_mortgage_rates. It answers at https://mcp.ratezip.com/mcp over streamable HTTP, and it listed its tools to an anonymous client, so no sign-in was needed for that. Our probes reached it 10 of 10 times since 5 September 2026; the last check, on 18 October 2026, succeeded.
Live US savings, CD, mortgage & HELOC rates with source + timestamp on every figure.
Description as the publisher wrote it.
| Tool | What it does |
|---|---|
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, p Inputs: balance, current_apy_percent, comparison_apy_percent, years |
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 Inputs: term_months, balance, state, credit_score |
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 nati Inputs: loan_type, loan_amount, state, credit_score |
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 Inputs: balance, state, credit_score |
Every block below points at https://mcp.ratezip.com/mcp. Pick your client and copy.
claude mcp add --transport http ratezip-bank-deposit-and-mortgag https://mcp.ratezip.com/mcp
{
"mcpServers": {
"ratezip-bank-deposit-and-mortgag": {
"command": "npx",
"args": ["-y", "mcp-remote", "https://mcp.ratezip.com/mcp"]
}
}
}{
"mcpServers": {
"ratezip-bank-deposit-and-mortgag": {
"url": "https://mcp.ratezip.com/mcp"
}
}
}{
"servers": {
"ratezip-bank-deposit-and-mortgag": {
"type": "http",
"url": "https://mcp.ratezip.com/mcp"
}
}
}{
"context_servers": {
"ratezip-bank-deposit-and-mortgag": {
"url": "https://mcp.ratezip.com/mcp"
}
}
}{
"mcpServers": {
"ratezip-bank-deposit-and-mortgag": {
"serverUrl": "https://mcp.ratezip.com/mcp"
}
}
}{
"mcpServers": {
"ratezip-bank-deposit-and-mortgag": {
"url": "https://mcp.ratezip.com/mcp"
}
}
}name: RateZip Bank Deposit and Mortgage Rates
version: 0.0.1
schema: v1
mcpServers:
- name: RateZip Bank Deposit and Mortgage Rates
type: streamable-http
url: https://mcp.ratezip.com/mcp{
"mcpServers": {
"ratezip-bank-deposit-and-mortgag": {
"httpUrl": "https://mcp.ratezip.com/mcp"
}
}
}{
"mcpServers": {
"ratezip-bank-deposit-and-mortgag": {
"type": "http",
"url": "https://mcp.ratezip.com/mcp"
}
}
}{
"mcpServers": {
"ratezip-bank-deposit-and-mortgag": {
"url": "https://mcp.ratezip.com/mcp"
}
}
}goose://extension?url=https%3A%2F%2Fmcp.ratezip.com%2Fmcp&type=streamable_http&id=ratezip-bank-deposit-and-mortgag&name=RateZip%20Bank%20Deposit%20and%20Mortgage%20Rates
It answered our last check on 18 October 2026 in 231 ms. Over 10 checks since 5 September 2026 it answered 10. Status here comes from Neuronto's own probes, not from the publisher.
Yes. It is published by ratezip.com and served from mcp.ratezip.com, the vendor's own domain: https://mcp.ratezip.com/mcp.
4, as returned by the server's own tools/list on 31 August 2026: calculate_deposit_earnings_difference, get_cd_rates, get_mortgage_rates, get_savings_rates.
It answered our last check on 18 October 2026 in 231 ms. Over 10 checks since 5 September 2026 it answered 10.
Put the server under mcpServers in ~/.cursor/mcp.json with the URL https://mcp.ratezip.com/mcp. The exact JSON is above, with the same setup for Claude Code, Claude Desktop, VS Code, Windsurf, Zed, Gemini CLI and the rest.
It listed its tools to an anonymous client, so reading the tool list needs no key. Individual tools can still ask for credentials in their own inputs.
Publisher: com.ratezip. Endpoint host: mcp.ratezip.com. ARD identifier: urn:air:com.ratezip:mcp:rates.
First indexed 31 August 2026. The tools are exactly what the server returned; nothing on this page
is inferred from its name. Ranking in Neuronto search is never for sale.