Live US savings, CD, mortgage & HELOC rates with source + timestamp on every figure.
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https://mcp.ratezip.com/mcp4 tools · 759msget_savings_ratesCurrent 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 tie…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 tie…
| Parameter | Type | Description |
|---|---|---|
| balance | number | Deposit balance in USD — resolves the applicable tier APY and ranks by what you'd earn |
| state | string | Two-letter state — adds an availability/eligibility note |
| credit_score | integer | FICO — deposit APYs generally don't vary by credit; returns a clarifying note only |
get_cd_ratesCurrent 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 compariso…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 compariso…
| Parameter | Type | Description |
|---|---|---|
| term_months | integer | CD term in months to filter to (omit for all terms) |
| balance | number | Deposit balance in USD — resolves the applicable tier APY and ranks by what you'd earn |
| state | string | Two-letter state — adds an availability/eligibility note |
| credit_score | integer | FICO — deposit APYs generally don't vary by credit; returns a clarifying note only |
get_mortgage_ratesCurrent 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…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…
| Parameter | Type | Description |
|---|---|---|
| loan_type | string | Loan type to filter to, e.g. '30-year fixed', '15-year fixed', or 'HELOC'. Omit for all. |
| loan_amount | number | Loan amount in USD — flags conforming vs jumbo (does not fabricate a rate) |
| state | string | Two-letter state — adds an availability/licensing note |
| credit_score | integer | FICO — returns EDUCATIONAL context only; never a fabricated credit-adjusted rate |
calculate_deposit_earnings_differenceIllustrative 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…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…
| Parameter | Type | Description |
|---|---|---|
| balance* | number | Deposit balance in USD |
| current_apy_percent | number | APY the money earns today (%); defaults to the FDIC national average savings rate |
| comparison_apy_percent | number | APY to compare against (%); defaults to the highest RateZip-observed savings APY |
| years | number | Horizon in years (APY compounds annually) |
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Live US savings, CD, mortgage & HELOC rates with source + timestamp on every figure.
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