I-Bond Rate Skill
The tool
Give your agent I-Bond rates. Call it as an MCP tool to read current and historical Series I savings bond rates from the US Treasury.
Once your client is connected to the VerveKit MCP server, this appears in its tool list as I-BondRateSkill. It is read-only and open-world: it fetches, it never mutates anything on your side, so most clients will call it without asking you to confirm.
{
"name": "I-BondRateSkill",
"arguments": {}
}Connecting
One server URL covers every skill in the catalog, including this one. Authorization is OAuth — the client opens a browser once and there is no key to paste into a config file.
{
"mcpServers": {
"vervekit": {
"url": "https://api.vervekit.com/v1/mcp"
}
}
}https://api.vervekit.com/v1/mcpPer-client setup — Claude Desktop, Cursor, VS Code, ChatGPT — is on the MCP setup page.
Arguments
These are the properties on the tool's inputSchema, so a well-behaved client validates them before the call is made.
| Argument | Type | Example | Description |
|---|---|---|---|
periodPremium | string | 2024-11 | Specific issue period to lookup (YYYY-MM format, e.g., 2024-11). Omit for current rates. |
What the model gets back
The result carries a structuredContent object matching the tool's declared outputSchema, so a client can read fields without parsing prose. status is "ok" on success and error is null; a null field means the value wasn't available for that input, not that the call failed.
{
"status": "ok",
"error": null,
"data": {
"iBonds": {
"currentRate": 5.27,
"fixedRate": 1.3,
"inflationRate": 1.97,
"purchaseLimit": 10000
},
"eeBonds": {
"currentRate": 2.7,
"guaranteedDoubling": "20 years (guaranteed to double in value)",
"purchaseLimit": 10000
},
"recommendation": "I Bonds",
"recommendationReason": "I Bonds currently offer 5.27% vs EE Bonds at 2.70%",
"nextRateChange": "2024-05-01",
"lastUpdated": "2024-02-01T00:00:00.000Z"
}
}Fields
| Field | Type | Example | Description |
|---|---|---|---|
iBonds | object | {…} | |
iBonds.currentRate | number | 5.27 | |
iBonds.fixedRate | number | 1.3 | Fixed rate component (set at purchase, never changes) |
iBonds.inflationRate | number | 1.97 | Inflation rate component (adjusts every 6 months) |
iBonds.purchaseLimit | number | 10000 | Annual electronic purchase limit per person in dollars |
eeBonds | object | {…} | |
eeBonds.currentRate | number | 2.7 | |
eeBonds.guaranteedDoubling | string | 20 years (guaranteed to double in value) | |
eeBonds.purchaseLimit | number | 10000 | Annual electronic purchase limit per person in dollars |
recommendation | string | I Bonds | |
recommendationReason | string | I Bonds currently offer 5.27% vs EE Bonds at 2.70% | |
nextRateChange | string | 2024-05-01 | Date of next scheduled I-Bond rate announcement |
lastUpdated | string | 2024-02-01T00:00:00.000Z | ISO 8601 timestamp of last data refresh |
Failure modes
Errors come back as tool errors with a sentence the model can act on, not a bare status code.
| Status | What it means |
|---|---|
400 / 422 | The arguments didn't validate. The message names the offending one. |
401 | The OAuth session is invalid or expired — reconnect the server. |
403 | Out of credits. Not a bad key — the month's allowance is spent. |
404 | This skill isn't part of VerveKit. Check the catalog. |
429 | Brief rate limit. Retrying after a moment succeeds. |
Other ways to use I-Bond Rate Skill
Set up I-Bond Rate Skill on VerveKit, or reach the same source a different way. Your VerveKit account and credits work on all of them — one key, one balance.
Frequently asked questions
Do I have to tell the agent to use I-BondRateSkill?
No. The tool's name and description are in the model's context once the server is connected, so it selects the tool when the question calls for it. Naming it explicitly works too and is useful when you want to force the call.
Does connecting the server expose every tool at once?
Yes — one connection lists the whole VerveKit catalog. Clients with a tool budget can usually filter the list; the credit cost is per call, so an unused tool costs nothing.
What does a call cost?
1 credit each time the tool actually runs. A model that reasons about the tool without calling it costs nothing.
Is there a REST version of this?
Yes — the same source is available as a plain HTTPS endpoint on APIVerve, linked above. Same data, same credits, same account.