RateZip Bank Deposit and Mortgage Rates

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

Finance & Payments

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calculate_deposit_earnings_difference Read-only

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.

balancenumber, required

Deposit balance in USD

yearsnumber

Horizon in years (APY compounds annually)

current_apy_percentnumber

APY the money earns today (%); defaults to the FDIC national average savings rate

comparison_apy_percentnumber

APY to compare against (%); defaults to the highest RateZip-observed savings APY

Tools (5)

calculate_deposit_earnings_difference

read-only

Argument	Type	Description
years	number	Horizon in years (APY compounds annually)
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

Input schema (JSON)

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "balance"
  ],
  "properties": {
    "years": {
      "type": "number",
      "default": 1,
      "maximum": 50,
      "description": "Horizon in years (APY compounds annually)",
      "exclusiveMinimum": 0
    },
    "balance": {
      "type": "number",
      "description": "Deposit balance in USD",
      "exclusiveMinimum": 0
    },
    "current_apy_percent": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "APY the money earns today (%); defaults to the FDIC national average savings rate"
    },
    "comparison_apy_percent": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "APY to compare against (%); defaults to the highest RateZip-observed savings APY"
    }
  },
  "additionalProperties": false
}

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

read-only

Argument	Type	Description
state	string
balance*	number	Starting deposit in USD; no account identifiers needed
product	string
horizon_months	integer	Illustrative holding period. CD estimates require an exactly matching term
require_no_monthly_fee	boolean	Require zero monthly maintenance fee without a conditional waiver
require_no_direct_deposit	boolean	Require the published APY without direct deposit

Input schema (JSON)

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "balance"
  ],
  "properties": {
    "state": {
      "type": "string"
    },
    "balance": {
      "type": "number",
      "maximum": 1000000000,
      "description": "Starting deposit in USD; no account identifiers needed",
      "exclusiveMinimum": 0
    },
    "product": {
      "enum": [
        "savings",
        "cd",
        "all"
      ],
      "type": "string",
      "default": "savings"
    },
    "horizon_months": {
      "type": "integer",
      "default": 12,
      "maximum": 120,
      "minimum": 1,
      "description": "Illustrative holding period. CD estimates require an exactly matching term"
    },
    "require_no_monthly_fee": {
      "type": "boolean",
      "default": false,
      "description": "Require zero monthly maintenance fee without a conditional waiver"
    },
    "require_no_direct_deposit": {
      "type": "boolean",
      "default": false,
      "description": "Require the published APY without direct deposit"
    }
  },
  "additionalProperties": false
}

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. 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.

read-only

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

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. 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.

read-only

Argument	Type	Description
state	string	Two-letter state — adds an availability/licensing note
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)
max_results	integer	Cap the number of observed rows returned, in the payload's ordering. Omit for all.
credit_score	integer	FICO — returns EDUCATIONAL context only; never a fabricated credit-adjusted rate
include_provenance	boolean	false omits the per-source provenance block (snapshot ids, attributions); each row keeps its own observed_at and source_url.

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 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.

read-only

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

Input schema (JSON)