RateZip Bank Deposit and Mortgage Rates

Name: RateZip Bank Deposit and Mortgage Rates
Author: ratezip.com

by ratezip.comversion 1.0.0i★ –iRuns in the cloud

Registry namecom.ratezip/rates

Install

Overview

Description from the maker (original English)

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

PopNx MCP’s three pillars

These three are never merged into one score: opinions, measurements and popularity are different things.

User voiceiNo reviews yetReviews open together with accounts in a later step
Our basic checksi2 of 3 passedChecked from public information; code not scanned yet
UsageiVery new★ –

What you can do with it

We have not written a plain-language summary for this one yet. Below are the facts we read from the registry.

Connection: Runs in the cloud
Transport: Streamable HTTP
Category: Other

Install

Pick the AI app you use, then copy the settings.

Before you install

Basic checks: 2 of 3 passed
Runs on the maker’s server: what you ask it goes through their server.
Can do 6 things (tools) compare_deposit_options, get_savings_rates, get_cd_rates, get_mortgage_rates …
The registry lists no key to fill in.

You need

Runs in the cloudNothing to install; it connects over the internet

Which app do you use?

ClaudeClaude CodeCursorVS CodeChatGPT

Pick your app above. We remember it, so next time the button says “Install in …”.

Works in Claude on the web, desktop and mobile:

Open Settings → Connectors
Press Add custom connector
Paste the address below and press Add
If it asks you to sign in, sign in with the maker

https://mcp.ratezip.com/mcp

Run this in your terminal

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

Open in Cursor

Or copy the settings yourself

Paste into .cursor/mcp.json in your project, or ~/.cursor/mcp.json

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

Your browser asks to open the app, then the app shows the settings and asks you to confirm. Key values are left empty for you to fill in.

Open in VS Code

Or copy the settings yourself

Paste into .vscode/mcp.json in your project

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

Your browser asks to open the app, then the app shows the settings and asks you to confirm. Key values are left empty for you to fill in.

ChatGPT connects only to servers on the internet:

Open ChatGPT on the web → Settings → Connectors (Apps)
Press Create or Add (some plans need Developer mode under Advanced first)
Paste the address below, give it a name and save
If it asks you to sign in, sign in with the maker

https://mcp.ratezip.com/mcp

Menu names can differ slightly by plan and over time.

Your choice stays on this device in a cookie; no account needed.

These settings are generated from the maker’s registry entry. If the README says otherwise, follow the README.

Which apps can use it

Based on how this server connects and on each app’s own docs, checked Nov 10, 2026.

Connect over the internet in

Claude ChatGPT Goose LM Studio Msty Studio Cherry Studio Cursor VS Code + GitHub Copilot Visual Studio Windsurf (Devin Desktop)Zed Kiro Cline Continue JetBrains AI Assistant Claude Code Codex CLI Gemini CLI OpenCode nodecode Warp LibreChat Open WebUI Raycast

All apps, with pros and cons →

What it can do

Tool names and descriptions exactly as the server reported them on Nov 10, 2026. The maker wrote them, not us; we show them as plain text.

compare_deposit_options
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,
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 results transparently (balance resolves
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 term; omit for all terms grouped by term
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 national-average benchmark is redistributed.
compare_home_equity_payments
Calculate and compare home equity loan or HELOC monthly payments from explicit caller-supplied amount, note rate and term assumptions. Models fully amortizing repayment, an optional interest-only HELOC draw phase, a repayment rate change and one-time cash/financed fees. Returns b
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, penalties, rate changes, tiers, availabil

Basic checksi

We check information anyone can see; we have not read the code. Checks that do not apply are left out of the count. · Checked Nov 11, 2026

! Caution
Maker matches the repo
The registry lists no source repo, so we cannot match the publisher (ratezip.com) to the code
… Not checked yet
Still maintained
We have not read this repo from GitHub yet
… Not checked yet
Has a licence
We have not read this repo from GitHub yet
✓ Pass
Endpoint responds
Responded in 58 ms (HTTP 200)
– Not applicable
Sign-in with OAuth
No sign-in needed
✓ Pass
No hidden instructions in tool descriptions
Read 6 tool descriptions and found no hidden instructions to the AI

Compared with others in Otheri

More stars than 0% of the other 19116 servers in this category
Published to the registry more recently than 19% of the other 19116 servers in this category
Basic checks equal to or better than 41% of the other 19116 servers in this category

Compared with every active server in this category in the registry. Stars count only when the publisher owns the repo.

Common questions

Is RateZip Bank Deposit and Mortgage Rates safe?

It passed 2 of 3 applicable basic checks. We have not read the code. Before adding a key or token, see what access the server asks for and use a key with only the permissions you need.

What keys or codes does it need?

The registry does not list a required key, though some servers ask you to sign in on first use.

Does it run on my computer or in the cloud?

It runs in the maker’s cloud. Connect over the internet with nothing to install, but what you send passes through the maker’s servers.

Is it still maintained?

The GitHub repo last changed –, and the latest version (1.0.0) reached the registry 3 months ago.

Which apps can use it?

Apps that support MCP, such as Claude Desktop, Claude Code, Cursor and VS Code. It connects by URL, so apps that accept remote MCP servers work too, such as ChatGPT in developer mode.

What can I use instead?

In the same category: World Monitor, Claude Flow, Tldraw