FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Rates
Rate Sections:
Current Deposit Rates
Deposit rates are effective as of December 2, 2025 and are subject to change at any time.
| Account Type | Minimum Balance Required To Obtain Annual Percentage Yield** | Interest Rate | APY* |
|---|---|---|---|
| Personal Checking Plus | No Minimum | 0.05% | 0.05% |
| Select Checking | $5,000.00 – $9,999.99 | 0.05% | 0.05% |
| Select Checking | $10,000.00 and above | 0.05% | 0.05% |
| Statement Savings | No Minimum | 0.05% | 0.05% |
| Power Savings | $0.01 – $4,999.99 | 0.05% | 0.05% |
| Power Savings | $5,000.00 – $24,999.99 | 0.75% | 0.75% |
| Power Savings | $25,000.00 – $499,999.99 | 1.50% | 1.51% |
| Power Savings | $500,000.00 and above | 2.00% | 2.02% |
*APY = Annual Percentage Yield
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
**Must maintain minimum balance to obtain the disclosed annual percentage yield.
Fees may affect earnings on the accounts
| Minimum Balance Required To Obtain Annual Percentage Yield** | Interest Rate | APY* |
|---|---|---|
| $0.00 – $24,999.99 | 0.55% | 0.55% |
| $25,000.00 – $99,999.99 | 0.60% | 0.60% |
| $100,000.00 – $249,999.99 | 0.65% | 0.65% |
| $250,000.00 – $999,999.99 | 0.70% | 0.70% |
| $1,000,000 and above | 0.75% | 0.75% |
*APY = Annual Percentage Yield. The interest rate(s) and APY(s) reflect a premium rate that will be paid the first twelve months that the account is open. This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
**Must maintain minimum balance to obtain the disclosed annual percentage yield.
Fees may affect earnings on the accounts
| Minimum Balance Required To Obtain Annual Percentage Yield** | Interest Rate | APY* |
|---|---|---|
| $50,000 and above | 2.47% | 2.50% |
*APY = Annual Percentage Yield
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
**Must maintain minimum balance to obtain the disclosed annual percentage yield.
Fees may affect earnings on the accounts.
A penalty may be imposed for early withdrawal.
| Minimum Balance Required To Obtain Annual Percentage Yield** | Interest Rate | APY* | Bonus Interest Rate1 | APY* |
|---|---|---|---|---|
| $0.00 – $24,999.99 | 0.05% | 0.05% | 0.10% | 0.10% |
| $25,000.00 – $99,999.99 | 0.45% | 0.45% | 0.50% | 0.50% |
| $100,000.00 – $249,999.99 | 0.60% | 0.60% | 0.65% | 0.65% |
| $250,000.00 – $999,999.99 | 0.75% | 0.75% | 0.80% | 0.80% |
| $1,000,000 and above | 1.00% | 1.00% | 1.05% | 1.05% |
*APY = Annual Percentage Yield
**Must maintain minimum balance to obtain the disclosed annual percentage yield. You must deposit $5,000.00 to open this account.
1 Bonus Interest Rate is for Select Checking and Select Business Checking Account Customers.
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
Fees may affect earnings on the accounts
| Minimum Balance Required To Obtain Annual Percentage Yield** | Interest Rate | APY* |
|---|---|---|
| $3,500.00 – $9,999.99 | 0.05% | 0.05% |
| $10,000.00 and above | 0.05% | 0.05% |
*APY = Annual Percentage Yield
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
**Must maintain minimum balance to obtain the disclosed annual percentage yield.
Fees may affect earnings on the accounts
| Minimum Balance Required To Obtain Annual Percentage Yield** | Interest Rate | APY * |
|---|---|---|
| $10,000.00 – $24,999.99 | 0.05% | 0.05% |
| $25,000.00 – $99,999.99 | 0.05% | 0.05% |
| $100,000.00 and up | 0.10% | 0.10% |
*APY = Annual Percentage Yield
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
**Must maintain minimum balance to obtain the disclosed annual percentage yield.
Fees may affect earnings on the accounts
| Minimum Balance Required To Obtain Annual Percentage Yield** | Interest Rate | APY * |
|---|---|---|
| $1,000.00 | 0.05% | 0.05% |
*APY = Annual Percentage Yield
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
**Must maintain minimum balance to obtain the disclosed annual percentage yield.
Fees may affect earnings on the accounts
| Minimum Balance Required To Obtain Annual Percentage Yield** | Interest Rate | APY * |
|---|---|---|
| $0.00 – $24,999.99 | 0.05% | 0.05% |
| $25,000.00 – $99,999.99 | 0.45% | 0.45% |
| $100,000.00 – $249,999.99 | 0.60% | 0.60% |
| $250,000.00 – $999,999.99 | 0.75% | 0.75% |
| $1,000,000 and above | 1.00% | 1.00% |
*APY = Annual Percentage Yield
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
**Must maintain minimum balance to obtain the disclosed annual percentage yield. You must deposit $5,000.00 to open this account.
Fees may affect earnings on the accounts.
| Certificate Type | Minimum Balance Required To Obtain Annual Percentage Yield** | Interest Rate | APY * |
|---|---|---|---|
| 3 Month | $500 | 3.06% | 3.10% |
| 5 Month | $5,000 | 3.25% | 3.30% |
| 6 Month | $500 | 2.94% | 2.98% |
| 6 Month IRA | $100 | 2.94% | 2.98% |
| 9 Month | $10,000 | 2.94% | 2.98% |
| 1 Year | $500 | 2.86% | 2.90% |
| 1 Year IRA | $100 | 2.86% | 2.90% |
| 2 Year | $500 | 2.75% | 2.79% |
| 2 Year IRA | $100 | 2.75% | 2.79% |
| 3 Year | $500 | 2.75% | 2.78% |
| 3 Year IRA | $100 | 2.75% | 2.78% |
| 3 1/2 Year Step-Up *** | $500 | 2.75% | 2.78% |
| 3 1/2 Year Step-Up IRA *** | $100 | 2.75% | 2.78% |
| 4 Year | $500 | 2.75% | 2.78% |
| 4 Year IRA | $100 | 2.75% | 2.78% |
| 5 Year | $500 | 2.70% | 2.73% |
| 5 Year IRA | $100 | 2.70% | 2.73% |
| Jumbo Certificates | $100,000 | Call Us for A Quote! | |
* APY = Annual Percentage Yield
** Must maintain minimum balance to obtain the disclosed annual percentage yield.
*** At your discretion, you may change the interest rate on the account based on the number of “steps” indicated in the original agreement.
A penalty may be imposed for early withdrawal.
Please refer to IRA documents for additional terms and conditions.
Current Loan Rates
Loan rates are effective as of September 24, 2025 and are subject to change at any time.
| Term | Rate | Monthly Payment |
|---|---|---|
| 5 Years | 5.99% (6.799% APR) | $193.28 |
| 7 Years | 6.50% (7.097% APR) | $148.49 |
| 10 Years | 6.50% (6.935% APR) | $113.55 |
| 15 Years | 6.75% (7.061% APR) | $88.49 |
NOTE: Sample payment and APR are based on a loan amount of $10,000.00. Minimum loan amount of $10,000.00. First and Second liens. Terms quoted are subject to credit approval. Up to 80% loan-to-value on primary residences and 80% loan-to-value on secondary residences. Example payments do not include taxes and insurance premiums; actual payment obligation will be greater.
APR= Annual Percentage Rate. APR is effective as of day of publication.
Consult your tax advisor on the deductibility of interest.
All loans are subject to Credit approval and underwriting standards of Mauch Chunk Trust Company.
Home Equity Lines of Credit (HELOC)
Wall Street Journal Rates section: International Rates/Prime Rates/U.S.
* MCT pays all closing costs, with the exception of title insurance fees. For lines over $250,000, title insurance is required to be purchased by the borrower(s). If you terminate your account within 36 months of opening it, you will be required to pay an Early Closure Fee consisting of (1) a $200 base fee, plus (2) any closing fees MCT paid on your behalf. APR (Annual Percentage Rate): Will be based on the Wall Street Journal Prime, as published daily. Your APR may vary and rates are subject to change. Maximum APR is 18%. Requirements: Minimum loan amount is $10,000. Only for loans secured by the borrower’s primary or secondary residence (excluding investment properties) in Pennsylvania. Homeowners insurance is required. Subject to credit approval and underwriting standards of Mauch Chunk Trust Company.
| Model Year | Term | Rate | Monthly Payment |
|---|---|---|---|
| New | Up to 5 Years | 7.25% (7.692% APR)* | $203.31 |
| New | 6 Years | 7.75% (8.128% APR) | $177.72 |
| Used | Up to 5 Years | 8.25% (8.698% APR)* | $208.18 |
NOTE: * 5 year term used in sample payment and APR.
Sample payment and APR are based on a loan amount of $10,000. Minimum loan amount of $5,000.00. Terms quoted are subject to credit approval.
| Model Year | Term | Rate | Monthly Payment |
|---|---|---|---|
| New | Up to 5 Years | 8.00% (8.446% APR)* | $206.95 |
| Used | Up to 5 Years | 9.00% (9.843% APR)* | $211.55 |
NOTE: * 5 year term used in sample payment and APR.
Sample payment and APR are based on a loan amount of $10,000. Minimum loan amount of $5,000.00. Terms quoted are subject to credit approval.
APR= Annual Percentage Rate. APR is effective as of day of publication.
All loans are subject to Credit approval and underwriting standards of Mauch Chunk Trust Company.
| Term | Loan Amount | Rate | Monthly Payment |
|---|---|---|---|
| Up to 5 Years | Less than $9,999.99 | 10.00% (10.419% APR)** | $214.58 |
| Up to 5 Years | $10,000 or greater | 13.00% (13.435% APR)** | $229.85 |
NOTE: **5 year term used in sample payment and APR.
Sample payment and APR are based on a loan amount of $10,000. Minimum loan amount of $5,000.00. Maximum loan amount of $50,000.00. Terms quoted are subject to credit approval.
APR= Annual Percentage Rate. APR is effective as of day of publication.
All loans are subject to Credit approval and underwriting standards of Mauch Chunk Trust Company.