# RateZip Bank Deposit and Mortgage Rates Muse connector

From musedirectory.ai, the independent directory of Meta Muse connectors. Not affiliated with Meta.

## RateZip Bank Deposit and Mortgage Rates

Compare live savings, CD, and mortgage rates from US banks with timestamps and sources.

- Record: https://musedirectory.ai/connector/ratezip-bank-deposit-and-mortgage-rates
- Category: Finance & Bills
- Developer: RateZip (https://www.ratezip.com)
- Muse status: Extra setup. Not in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
- Health: Working, 187ms, checked 2026-09-28T09:01:09Z
- Endpoint: https://mcp.ratezip.com/mcp
- Auth: No account needed; Pricing: unknown
- Screening: Screened, no issues found (2026-09-24T01:55:49Z)
- Source: Found in the official MCP Registry (com.ratezip/rates) https://registry.modelcontextprotocol.io/v0/servers?search=com.ratezip%2Frates

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.

Example request: "Show me the best savings account rates available in my state for a $50,000 deposit."

How to connect: Not 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.

Tools:
- 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.
- 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

Screening checks:
- MCP handshake: pass (Answered in 145ms)
- Domain against threat feeds (Cloudflare security DNS): pass (mcp.ratezip.com, www.ratezip.com not flagged)
- Published packages against the OSV malicious-package database: n/a (No npm or PyPI package published)
- Hidden instructions or invisible characters in tool text: pass (4 tools read, nothing found)
- Inputs asking for passwords, card numbers or seed phrases: pass (None found)
- Domain and redirects: pass (No redirects off the domain)
- AI review of purpose and tool behavior: pass (No concerns)