MCP server

RateZip Bank Deposit and Mortgage Rates Official

com.ratezip/rates

Checked 26 Oct 2026, 08:29 UTC · Connected to it and listed its tools

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

Website

At a glance

Type

MCP server

Publisher

ratezip.com (verified by the MCP Registry)

Status

Working at last check

Tools

5

Token cost

About 2,149 tokens per request

Sets up in

Claude Code, Claude Desktop, Codex, Gemini CLI, Cursor, VS Code, Antigravity, ChatGPT, OpenAI API, Grok

Last checked

26 Oct 2026, 08:29 UTC

Connect it to your agent

Add to CursorAdd to VS CodeVS Code Insiders

Opens the app, which shows the server and asks you to confirm. For other apps, copy the setup below.

Claude Code

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

Claude Desktop

Settings → Connectors → Add custom connector, and paste the URL.

Codex (config.toml)

[mcp_servers.rates]
url = "https://mcp.ratezip.com/mcp"

Gemini CLI

{"mcpServers":{"rates":{"httpUrl":"https://mcp.ratezip.com/mcp"}}}

Cursor

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

VS Code

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

Antigravity

agy mcp add rates https://mcp.ratezip.com/mcp

ChatGPT

Settings → Apps & Connectors → Advanced settings: turn on Developer mode, then Create a connector and paste the URL. Which plans can do this varies.

OpenAI API (Responses tools)

{"type":"mcp","server_label":"rates","server_url":"https://mcp.ratezip.com/mcp","require_approval":"always"}

Grok (xAI API tools)

{"type":"mcp","server_label":"rates","server_url":"https://mcp.ratezip.com/mcp"}

Tools

• calculate_deposit_earnings_difference ~324 tokens
  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
• compare_deposit_options ~378 tokens
  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,
• get_cd_rates ~508 tokens
  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 comparison
• get_mortgage_rates ~482 tokens
  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
• get_savings_rates ~457 tokens
  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

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Badge for your README

[![AptLynx](https://aptlynx.net/badge/com.ratezip/rates.svg)](https://aptlynx.net/servers/com.ratezip/rates)

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