MCP-Server

RateZip Bank Deposit and Mortgage Rates

com.ratezip/rates
Finanzen & Investieren Öffentlich und erreichbar MCP 2025-11-25

Was dieses MCP kann

Provides current US savings, CD, mortgage, and HELOC rates with sources, timestamps, conditions, and illustrative comparisons.

calculate_deposit_earnings_difference
Illustrative 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.
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Eingabeschema
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['balance'], 'properties': {'years': {'type': 'number', 'default': 1, 'maximum': 50, 'description': 'Horizon in years (APY compounds annually)', 'exclusiveMinimum': 0}, 'balance': {'type': 'number', 'description': 'Deposit balance in USD', 'exclusiveMinimum': 0}, 'current_apy_percent': {'type': 'number', 'maximum': 100, 'minimum': 0, 'description': 'APY the money earns today (%); defaults to the FDIC national average savings rate'}, 'comparison_apy_percent': {'type': 'number', 'maximum': 100, 'minimum': 0, 'description': 'APY to compare against (%); defaults to the highest RateZip-observed savings APY'}}, 'additionalProperties': False}
get_cd_rates
Get current US CD rates by term
Current CD APYs: FDIC national averages by term plus RateZip-observed institution rates (with terms, minimums/conditions, observation timestamps, sources, and staleness status). Pass term_months (e.g. 3, 6, 12, 24, 36, 60) to filter to one term; omit for all terms grouped by term. Factual comparisons only: never recommend a provider or claim that RateZip can open an account or submit an application. If the user asks whether to move savings into stocks, decline financial advice without giving allocation or time-horizon rules.
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Eingabeschema
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'properties': {'state': {'type': 'string', 'description': 'Two-letter state â\x80\x94 adds an availability/eligibility note'}, 'balance': {'type': 'number', 'description': "Deposit balance in USD â\x80\x94 resolves the applicable tier APY and ranks by what you'd earn", 'exclusiveMinimum': 0}, '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 â\x80\x94 deposit APYs generally don't vary by credit; returns a clarifying note only"}}, 'additionalProperties': False}
get_mortgage_rates
Get current US 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 only within the same loan type. Factual rate data only: never estimate or invite a personalized quote, imply approval, or recommend a lender.
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Eingabeschema
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'properties': {'state': {'type': 'string', 'description': 'Two-letter state â\x80\x94 adds an availability/licensing note'}, 'loan_type': {'type': 'string', 'description': "Loan type to filter to, e.g. '30-year fixed', '15-year fixed', or 'HELOC'. Omit for all."}, 'loan_amount': {'type': 'number', 'description': 'Loan amount in USD â\x80\x94 flags conforming vs jumbo (does not fabricate a rate)', 'exclusiveMinimum': 0}, 'credit_score': {'type': 'integer', 'maximum': 850, 'minimum': 300, 'description': 'FICO â\x80\x94 returns EDUCATIONAL context only; never a fabricated credit-adjusted rate'}}, 'additionalProperties': False}
get_savings_rates
Get current US savings account rates
Current savings APYs: FDIC national average plus rates RateZip observed on institutions' own published rate pages. Every row carries an observation timestamp, source, and staleness status. Optional balance/state/credit_score personalize the results transparently (balance resolves the applicable tier APY; nothing is fabricated). Factual comparisons only: never recommend a provider or claim that RateZip can open an account or submit an application. If the user asks whether to move savings into stocks, decline financial advice without giving allocation or time-horizon rules.
Nur Lesen
Eingabeschema
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'properties': {'state': {'type': 'string', 'description': 'Two-letter state â\x80\x94 adds an availability/eligibility note'}, 'balance': {'type': 'number', 'description': "Deposit balance in USD â\x80\x94 resolves the applicable tier APY and ranks by what you'd earn", 'exclusiveMinimum': 0}, 'credit_score': {'type': 'integer', 'maximum': 850, 'minimum': 300, 'description': "FICO â\x80\x94 deposit APYs generally don't vary by credit; returns a clarifying note only"}}, 'additionalProperties': False}
Hinzugefügt
calculate_deposit_earnings_difference
17. September 2026 12:37
Hinzugefügt
get_mortgage_rates
17. September 2026 12:37
Hinzugefügt
get_cd_rates
17. September 2026 12:37
Hinzugefügt
get_savings_rates
17. September 2026 12:37