com.ratezip/rates

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Au dernier audit MCP Hub, le serveur MCP « com.ratezip/rates » est classé « Non encore testé ». Référencé dans l'annuaire. Seul le pentest comportemental fait foi, et il n'a pas encore été exécuté sur ce serveur. Le verdict est réévalué en continu ; consultez la fiche pour l'état à jour.

Méthode : MCP Hub analyse la description de chaque outil (couche 1) et, pour le verdict fort, exécute le serveur dans une micro-VM isolée avec leurres et réseau bloqué (couche 2). On publie des noms et des compteurs, jamais le contenu brut renvoyé par un outil.

Les 5 outils

• calculate_deposit_earnings_difference≈ 344 tokens

  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.

  Paramètres, retour & exemple (4)

  Paramètres

  • years · number · optionnel
    Horizon in years (APY compounds annually)
  • balance · number · requis
    Deposit balance in USD
  • current_apy_percent · number · optionnel
    APY the money earns today (%); defaults to the FDIC national average savings rate
  • comparison_apy_percent · number · optionnel
    APY to compare against (%); defaults to the highest RateZip-observed savings APY

  Exemple d'appel

  {"name": "calculate_deposit_earnings_difference", "arguments": {"balance": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• compare_deposit_options≈ 400 tokens

  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, personalized offer, application or account opening. Use for a multi-constraint deposit comparison; use get_savings_rates/get_cd_rates for simple rate lookups.

  Paramètres, retour & exemple (6)

  Paramètres

  • state · string · optionnel
  • balance · number · requis
    Starting deposit in USD; no account identifiers needed
  • product · string · optionnel · savings | cd | all
  • horizon_months · integer · optionnel
    Illustrative holding period. CD estimates require an exactly matching term
  • require_no_monthly_fee · boolean · optionnel
    Require zero monthly maintenance fee without a conditional waiver
  • require_no_direct_deposit · boolean · optionnel
    Require the published APY without direct deposit

  Exemple d'appel

  {"name": "compare_deposit_options", "arguments": {"balance": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• get_cd_rates≈ 502 tokens

  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. If no institution publishes the requested term, the result names the terms that are available. Pass max_results to cap the number of rows and include_provenance=false for a shorter response.

  Paramètres, retour & exemple (6)

  Paramètres

  • state · string · optionnel
    Two-letter state — adds an availability/eligibility note
  • balance · number · optionnel
    Deposit balance in USD — resolves the applicable tier APY and ranks by what you'd earn
  • max_results · integer · optionnel
    Cap the number of observed rows returned, in the payload's ordering. Omit for all.
  • term_months · integer · optionnel
    CD term in months to filter to (omit for all terms)
  • credit_score · integer · optionnel
    FICO — deposit APYs generally don't vary by credit; returns a clarifying note only
  • include_provenance · boolean · optionnel
    false omits the per-source provenance block (snapshot ids, attributions); each row keeps its own observed_at and source_url.

  Exemple d'appel

  {"name": "get_cd_rates", "arguments": {"state": "texte", "balance": 1, "max_results": 1, "term_months": 1, "credit_score": 1, "include_provenance": true}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• get_mortgage_rates≈ 477 tokens

  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. Pass max_results to cap the number of rows and include_provenance=false for a shorter response.

  Paramètres, retour & exemple (6)

  Paramètres

  • state · string · optionnel
    Two-letter state — adds an availability/licensing note
  • loan_type · string · optionnel
    Loan type to filter to, e.g. '30-year fixed', '15-year fixed', or 'HELOC'. Omit for all.
  • loan_amount · number · optionnel
    Loan amount in USD — flags conforming vs jumbo (does not fabricate a rate)
  • max_results · integer · optionnel
    Cap the number of observed rows returned, in the payload's ordering. Omit for all.
  • credit_score · integer · optionnel
    FICO — returns EDUCATIONAL context only; never a fabricated credit-adjusted rate
  • include_provenance · boolean · optionnel
    false omits the per-source provenance block (snapshot ids, attributions); each row keeps its own observed_at and source_url.

  Exemple d'appel

  {"name": "get_mortgage_rates", "arguments": {"state": "texte", "loan_type": "texte", "loan_amount": 1, "max_results": 1, "credit_score": 1, "include_provenance": true}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• get_savings_rates≈ 458 tokens

  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. Pass max_results to cap the number of rows and include_provenance=false for a shorter response.

  Paramètres, retour & exemple (5)

  Paramètres

  • state · string · optionnel
    Two-letter state — adds an availability/eligibility note
  • balance · number · optionnel
    Deposit balance in USD — resolves the applicable tier APY and ranks by what you'd earn
  • max_results · integer · optionnel
    Cap the number of observed rows returned, in the payload's ordering. Omit for all.
  • credit_score · integer · optionnel
    FICO — deposit APYs generally don't vary by credit; returns a clarifying note only
  • include_provenance · boolean · optionnel
    false omits the per-source provenance block (snapshot ids, attributions); each row keeps its own observed_at and source_url.

  Exemple d'appel

  {"name": "get_savings_rates", "arguments": {"state": "texte", "balance": 1, "max_results": 1, "credit_score": 1, "include_provenance": true}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

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Source

https://mcp.ratezip.com/mcp