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Directory / MonitorBankRates
MonitorBankRates
by monitorbankrates.com · https://mcp.monitorbankrates.com/mcp
Live US bank and credit union rates, mortgage lenders, and housing and insurance indexes.
11 of 11 checks · 1 Nov 2026
Is MonitorBankRates MCP server safe?
- None of the hidden-instruction wordings we know were found in its tool descriptions.
- Its error messages showed no secrets or internal details.
- All 8 of its tools are labeled read-only.
- Overall it scored 83/100 on 1 Nov 2026.
A test can only see what the server shows from outside, not what it does with your data behind the scenes. Connect servers from makers you trust.
What it can do
8 tools, in the server's own words.
get_best_ratesread-onlyTop live rates from MonitorBankRates.com for one product (CDs by term, savings, money market, checking, mortgages, refinance, home equity, auto loans, personal…
get_average_ratesread-onlyMonitorBankRates national or state average rates (APY for deposits, APR for loans) computed daily from every published rate across 8,000+ banks and credit unio…
search_institutionsread-onlySearch MonitorBankRates' directory of 8,000+ U.S.
get_institutionread-onlyAll current deposit and loan rates MonitorBankRates tracks for one bank or credit union, plus its MBR health letter grade, star rating, Texas ratio, branch sta…
get_mortgage_lendersread-onlyMortgage lenders and brokers in a U.S.
calculate_loanread-onlyPayment estimates at today's MonitorBankRates average rate for the state (or national), or a rate you pass.
get_indexread-onlyMonitorBankRates proprietary indexes.
list_rate_keysread-onlyLists every rate key accepted by get_best_rates and get_average_rates with its label, product group, and whether it is measured as APY (deposits) or APR (loans…
Test results
Safe mode: only tools labeled read-only were run. How the test works
- !Ready for the newest MCP versionnote
1 warning
- !Uses an older MCP version (2025-06-18). It works today, but it isn't on the July 2026 version (2026-07-28) yet.
- !Every tool is describednote
6 warnings
- !get_best_rates: Inputs with no description: limit
- !search_institutions: Inputs with no description: query, limit
- !get_institution: Inputs with no description: slug
- !get_mortgage_lenders: Inputs with no description: limit
- !calculate_loan: Inputs with no description: calculator
- !get_index: Inputs with no description: index
- !Bad inputs give a clean errornote
1 warning
- !search_institutions: Accepted wrong type for "query" without complaining
- –get_mortgage_lenders: The server limited our requests, so bad inputs were not tested
- –get_index: The server limited our requests, so bad inputs were not tested
- and 7 more
- ✓ConnectsConnected in 176 mspass
- ✓Lists its toolsFound 8 toolspass
- ✓Tools are labeled safe or dangerousEvery tool has a safety labelpass
- ✓No known hidden instructionsNone of the hidden-instruction wordings we know were found in tool descriptions. New wordings can get past this check.pass
- ✓Tools work with good inputspass
All good
- ✓get_best_rates: Answered with an error, probably because of our sample input: Error: unknown key 'test'; call op=keys. Full data at https://www.monitorbankrates.com
- ✓get_average_rates: Answered with an error, probably because of our sample input: Error: key required. Full data at https://www.monitorbankrates.com
- ✓search_institutions: Worked (126 ms)
- ✓get_institution: Answered with an error, probably because of our sample input: Error: institution not found. Full data at https://www.monitorbankrates.com
- ✓get_mortgage_lenders: Answered with an error, probably because of our sample input: Error: state required (two-letter code or state name). Full data at https://www.monitorbankrates.com
- –get_index: The server limited our requests (HTTP 429), so it was not tested (not counted against the server)
- –list_rate_keys: The server limited our requests (HTTP 429), so it was not tested (not counted against the server)
- –calculate_loan: Not run: labeled read-only, but its has a "amount" input, which usually means it changes something. Skipped to be safe: if it only reads, a clearer description helps AI apps too, or test again with --owner
- ✓Fast enoughpass
All good
- ✓Connecting took 176 ms
- ✓Listing tools took 31 ms
- ✓Average tool answer: 121 ms
- ✓get_best_rates: Slowest tool: get_best_rates (151 ms)
- ✓No secrets leakedChecked 17 error messages: no secrets or internal detailspass
- ✓Follows MCP best practices (not scored yet)Tool names, safety labels and tool list size follow the MCP guidepass
- –Tools work togetherNo tool's answer could be fed into another tool, so there were no chains to test (not counted either way)not tested
Test it yourself
Free and open source. Same checks, same score.
npx qamcp-cli https://mcp.monitorbankrates.com/mcpShow this score on GitHub
Free for every server in the directory. Paste this into your README: the badge shows the score from our latest test.
[](https://qamcp.dev/s/com-monitorbankrates-rates.html)Score over time
- 1 Nov 202683
One test so far. New tests will show here.
Reviews
Coming soon: reviews from people who use MonitorBankRates, signed in with GitHub, one per person. Reviews never change the score.
QAmcp Monitor (coming soon) tests it every hour and emails you when it goes down, the score drops, a tool changes or a secret leaks. You'll also be able to claim this page and get a verified owner mark. Founding price: $19/month for life for the first 50 teams.
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