Compare live savings, CD, and mortgage rates from US banks with timestamps and sources.
Access current FDIC-insured savings and CD rates, plus mortgage and HELOC rates observed on lenders' published pages. Results include APY, terms, minimums, observation timestamps, and sources. Personalize by balance, state, and credit score to see applicable rates and availability.
Try asking Muse: "Show me the best savings account rates available in my state for a $50,000 deposit."
Source: Found in the official MCP Registry (com.ratezip/rates) · First listed September 24, 2026
Each bar is one check, every 15 minutes. Green means it answered. Last checked 2 h ago.
What Muse can see: It does not ask you to sign in, so it cannot see your accounts. It only sees what Muse sends it from your request.
Before it acts: Read what Muse plans to do before you approve it, and remove the app from Muse when you stop using it.
musedirectory.ai is not part of Meta. More about how Muse handles your information
Not in Muse's Connectors list yet, but Muse can still use it. Copy the request below and paste it into Muse. Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
https://mcp.ratezip.com/mcpNot in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
RateZip Bank Deposit and Mortgage Rates is a remote MCP server, so any assistant that can add a custom connector by link can use it. Same link, same tools.
In ChatGPT, open Settings, then Connectors (called Apps & Connectors on some accounts).
Under Advanced settings, switch on Developer mode. That is what lets you add a connector by link.
Choose Create, give it a name, paste the link as the MCP server URL, and save. If it needs a sign-in, ChatGPT asks for it here.
Start a chat, open the tools menu, pick the connector, and ask. ChatGPT asks before it runs a tool the first time.
Custom connectors need a paid ChatGPT plan, and on Team, Enterprise and Edu accounts only an admin can add them. Our "Working" label means the server answered us; it cannot tell whether your plan lets you add it. All connectors that work in ChatGPT
In Claude, open Settings, then Connectors.
Choose Add custom connector, give it a name, and paste the link.
If it needs a sign-in, Claude sends you to it. Then turn the connector on in a chat from the tools menu and ask.
Custom connectors are available on paid Claude plans; on Team and Enterprise accounts an admin may need to add them. Our "Working" label means the server answered us; it cannot tell whether your plan lets you add it. All connectors that work in Claude
https://mcp.ratezip.com/mcpResponse time at the last check: 138ms. Worked in 100% of checks over 30 days.
Screened, no issues found
Screening looks for known threats and hidden instructions at the time of the check, and runs again weekly and whenever the tool list changes. It cannot see the server's code, so only connect what you need and review what Muse asks to do. How screening works.
compare_deposit_optionsCompare 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_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 resolvesget_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 termget_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.compare_home_equity_paymentsCalculate 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 bcalculate_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, availabilhttps://mcp.ratezip.com/mcpNot in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use RateZip Bank Deposit and Mortgage Rates to help me. It is a free service with an MCP server at https://mcp.ratezip.com/mcp. It does not need an API key. Ask me before you share anything with it." Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
At the last check (November 13, 2026, 14:45 UTC) the endpoint was working, answering in 138ms. Over the last 7 days it answered 100% of health checks. It is checked every 15 minutes.
It was screened on September 24, 2026 with the result "screened, no issues found". Screening checks the domain against threat feeds and reads the tools for hidden instructions and requests for passwords or card numbers. It cannot see the server's code, so grant only the access you need.
It exposes 6 tools, including compare_deposit_options, get_savings_rates, get_cd_rates, get_mortgage_rates. For example, you could ask Muse: "Show me the best savings account rates available in my state for a $50,000 deposit."
This listing was added from public sources (Found in the official MCP Registry (com.ratezip/rates)). If you build RateZip Bank Deposit and Mortgage Rates, claim it to correct the details and get your badge.
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