RateZip Bank Deposit and Mortgage Rates
REMOTE · MCP.RATEZIP.COM · SCANNED AUG 20
Live US savings, CD, mortgage & HELOC rates with source + timestamp on every figure.
Available components
How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. How we score →
Endpoint Security63
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. See how to fix → View diagnostics → Partial
- HTTPS enforcement could not be verified: the plaintext port answered with HTTP 400, which proves neither a plaintext path nor enforcement. View diagnostics → Unverified
- HSTS check failed: the Strict-Transport-Security header is absent. See how to fix → View diagnostics → Fail
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability41
- 0% of prompts and resources have a non-trivial description (not blank, and not just the item's name).Fail
- AI-judged instruction clarity (good).Pass
- Context-footprint check failed: tool/resource definitions use about 1020 tokens (~204/item across 5 items; 4 tools + 1 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management37
- Stability observed for 11 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage100
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 100% of tool parameters carry a description.Pass
Capabilities100
- Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.Pass
- Supports UI / widget rendering.Pass
Add this component to your MCP client. Where a client-specific snippet is available, pick your client below and copy it straight into your config; otherwise use the connection detail shown.
remote · mcp.ratezip.com
claude mcp add --transport http com-ratezip-rates https://mcp.ratezip.com/mcp
[mcp_servers.com-ratezip-rates] url = "https://mcp.ratezip.com/mcp"
{
"$schema": "https://opencode.ai/config.json",
"mcp": {
"com-ratezip-rates": {
"type": "remote",
"url": "https://mcp.ratezip.com/mcp",
"enabled": true
}
}
} openclaw mcp add com-ratezip-rates --url https://mcp.ratezip.com/mcp --transport streamable-http
mcp_servers:
com-ratezip-rates:
url: "https://mcp.ratezip.com/mcp" {
"mcpServers": {
"com-ratezip-rates": {
"type": "http",
"url": "https://mcp.ratezip.com/mcp"
}
}
} The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 20 Aug 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 33 to 37. That category is still filling its 30-day observation window: 10 days of observed history at the previous scan, 11 at this one. The score rises as the window fills, whether or not the server changes.
- 18 Aug 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 27 to 30. That category is still filling its 30-day observation window: 8 days of observed history at the previous scan, 9 at this one. The score rises as the window fills, whether or not the server changes.
- 16 Aug 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 20 to 23. That category is still filling its 30-day observation window: 6 days of observed history at the previous scan, 7 at this one. The score rises as the window fills, whether or not the server changes.
- 14 Aug 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 13 to 17. That category is still filling its 30-day observation window: 4 days of observed history at the previous scan, 5 at this one. The score rises as the window fills, whether or not the server changes.
- 12 Aug 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.
- 11 Aug 26 0
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 10 Aug 26 −1
- The server rewrote its instructions, which are the text every model session reads security
- Tool “calculate_deposit_earnings_difference” rewrote its description, which is the text the model reads security
- Tool “get_cd_rates” rewrote its description, which is the text the model reads security
- Tool “get_mortgage_rates” rewrote its description, which is the text the model reads security
- Tool “get_savings_rates” rewrote its description, which is the text the model reads security
- Schema quality: 137 → 204 ▼ functional
- Stability: unverified → 0.03 ▲ functional
- First check of Capabilities: pass functional
- 9 Aug 26 60
First indexed and scored.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 20 Aug 2026 · Probed https://mcp.ratezip.com/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=ratezip.com | CN=WE1,O=Google Trust Services,C=US | 31 Jul 2026 | 29 Oct 2026 | ECDSA 256 | ECDSA-SHA256 | faba2bad7c9f99b00e35d14bf619c40f |
| SANs: ratezip.com, *.ratezip.com | ||||||
| CN=WE1,O=Google Trust Services,C=US (CA) | CN=GTS Root R4,O=Google Trust Services LLC,C=US | 13 Dec 2023 | 20 Feb 2029 | ECDSA 256 | ECDSA-SHA384 | 7ff31977972c224a76155d13b6d685e3 |
| CN=GTS Root R4,O=Google Trust Services LLC,C=US (CA) | CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE | 15 Nov 2023 | 28 Jan 2028 | ECDSA 384 | SHA256-RSA | 7fe530bf331343bedd821610493d8a1b |
DNSSEC insecure
Validation of mcp.ratezip.com. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| com. | present | 19718 | 13 | Verified |
| ratezip.com. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://mcp.ratezip.com/mcp | Verified | 200 | |
| http (plaintext) | http://mcp.ratezip.com/mcp | Inconclusive | 400 |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability.
calculate_deposit_earnings_difference Illustrative deposit earnings difference ~164
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.
| Name | Type | Req | Description |
|---|---|---|---|
| balance | number | yes | Deposit balance in USD |
| comparison_apy_percent | number | – | APY to compare against (%); defaults to the highest RateZip-observed savings APY |
| current_apy_percent | number | – | APY the money earns today (%); defaults to the FDIC national average savings rate |
| years | number | – | Horizon in years (APY compounds annually) |
No output schema declared.
No examples provided.
get_cd_rates Get current US CD rates by term ~222
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.
| Name | Type | Req | Description |
|---|---|---|---|
| balance | number | – | Deposit balance in USD — resolves the applicable tier APY and ranks by what you'd earn |
| credit_score | integer | – | FICO — deposit APYs generally don't vary by credit; returns a clarifying note only |
| state | string | – | Two-letter state — adds an availability/eligibility note |
| term_months | integer | – | CD term in months to filter to (omit for all terms) |
No output schema declared.
No examples provided.
get_mortgage_rates Get current US mortgage rates ~222
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.
| Name | Type | Req | Description |
|---|---|---|---|
| credit_score | integer | – | FICO — returns EDUCATIONAL context only; never a fabricated credit-adjusted rate |
| loan_amount | number | – | Loan amount in USD — flags conforming vs jumbo (does not fabricate a rate) |
| loan_type | string | – | Loan type to filter to, e.g. '30-year fixed', '15-year fixed', or 'HELOC'. Omit for all. |
| state | string | – | Two-letter state — adds an availability/licensing note |
No output schema declared.
No examples provided.
get_savings_rates Get current US savings account rates ~185
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.
| Name | Type | Req | Description |
|---|---|---|---|
| balance | number | – | Deposit balance in USD — resolves the applicable tier APY and ranks by what you'd earn |
| credit_score | integer | – | FICO — deposit APYs generally don't vary by credit; returns a clarifying note only |
| state | string | – | Two-letter state — adds an availability/eligibility note |
No output schema declared.
No examples provided.