# RateZip Bank Deposit and Mortgage Rates (remote · mcp.ratezip.com)

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

- Trust score: 64/100 (medium)
- Change this week: +4
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-20

## Components

- remote · `mcp.ratezip.com`: 64/100 (this document), [markdown](https://verifymcp.io/servers/com-ratezip-rates/mcp.md), [page](https://verifymcp.io/servers/com-ratezip-rates/mcp)

## Channel facts

- Endpoint: `https://mcp.ratezip.com/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

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. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-08-20.

- **Endpoint Security**: 63/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS enforcement could not be verified: the plaintext port answered with HTTP 400, which proves neither a plaintext path nor enforcement.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 41/100
  - 0% of prompts and resources have a non-trivial description (not blank, and not just the item's name).
  - AI-judged instruction clarity (good).
  - 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.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 37/100
  - Stability observed for 11 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.
  - Supports UI / widget rendering.

## Install

### Claude

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

### Codex

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

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "com-ratezip-rates": {
      "type": "remote",
      "url": "https://mcp.ratezip.com/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add com-ratezip-rates --url https://mcp.ratezip.com/mcp --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-ratezip-rates:
    url: "https://mcp.ratezip.com/mcp"
```

### Other

```json
{
  "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.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-08-20 (score 64, +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.

### 2026-08-18 (score 63, +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.

### 2026-08-16 (score 62, +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.

### 2026-08-14 (score 61, +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.

### 2026-08-12 (score 60, +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.

### 2026-08-11 (score 59, 0)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-08-10 (score 59, −1)

- [security] 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
- [functional regression] Schema quality: 137 → 204
- [functional improvement] Stability: unverified → 0.03
- [functional] First check of Capabilities: pass

### 2026-08-09 (score 60)

First indexed and scored.

## MCP tools (4)

### `get_savings_rates` (~185 tokens)

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.

Input parameters:

- `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

### `get_cd_rates` (~222 tokens)

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.

Input parameters:

- `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)

### `get_mortgage_rates` (~222 tokens)

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.

Input parameters:

- `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

### `calculate_deposit_earnings_difference` (~164 tokens)

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.

Input parameters:

- `balance` (number, required): 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)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/com-ratezip-rates/mcp#diagnostics

## Score history

- 2026-08-20: 64
- 2026-08-19: 63
- 2026-08-18: 63
- 2026-08-17: 62
- 2026-08-16: 62
- 2026-08-15: 61
- 2026-08-14: 61
- 2026-08-13: 60
- 2026-08-12: 60
- 2026-08-11: 59
- 2026-08-10: 59
- 2026-08-09: 60

## Links

- Remote endpoint: https://mcp.ratezip.com/mcp
- Website: https://www.ratezip.com/
- Changelog RSS feed: https://verifymcp.io/servers/com-ratezip-rates/mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-ratezip-rates/mcp.json
- HTML version of this page: https://verifymcp.io/servers/com-ratezip-rates/mcp