Loan Rates

Current Deposit Rates

 Rates Effective as of March 30, 2017

Checking and Savings Accounts

Account TypeMinimum Balance
Required To Obtain
Annual Percentage Yield**
Interest RateAPY*

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%
Dream Builders Savings $100.00 - $999.99 0.05% 0.05%

Dream Builders Savings

$1,000.00 - $2,499.99

0.10%

0.10%

Dream Builders Savings $2,500 and above 0.15% 0.15%

 *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

Transitions Checking Account

Minimum Balance Required To Obtain
Annual Percentage Yield**
Interest RateAPY*
$0.00 - $4,999.99 0.20% 0.20%
$5,000.00 - $24,999.99 0.25% 0.25%
$25,000.00 - $49,999.99 0.30% 0.30%
$50,000.00 and above 0.35% 0.35%

 *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

Investors Money Market Account

Minimum Balance Required To Obtain
Annual Percentage Yield**
Interest RateAPY*Bonus Interest Rate1APY*
$0.00 - $4,999.99 0.05% 0.05% 0.30% 0.30%
$5,000.00 - $24,999.99 0.10% 0.10% 0.35% 0.35%
$25,000.00 - $49,999.99 0.15% 0.15% 0.40% 0.40%
$50,000.00 and above 0.20% 0.20% 0.45% 0.45%

*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

Select Business Checking

Minimum Balance Required To Obtain
Annual Percentage Yield**
Interest RateAPY*
$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 

Business Interest Checking

Minimum Balance Required To Obtain
Annual Percentage Yield**
Interest RateAPY *
$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

Community Checking Plus Interest

Minimum Balance Required To Obtain
Annual Percentage Yield**
Interest RateAPY *
$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

Business Money Market Savings Account

Minimum Balance Required To Obtain
Annual Percentage Yield**
Interest RateAPY *
$0.00 - $4,999.99 0.05% 0.05%
$5,000.00 - $24,999.99 0.10% 0.10%
$25,000.00 - $49,999.99 0.15% 0.15%
$50,000.00 and above 0.20% 0.20%

*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.

Certificates of Deposit - Fixed Rate

Look here for the deposit rates associated with our fixed rate CD and IRA products featured on our PersonalBusiness and Government & Non-Profit pages.

Certificate TypeMinimum Balance
Required To Obtain
Annual Percentage Yield**
Interest RateAPY *
3 Month $500.00 0.10% 0.10%
6 Month $500.00 0.10% 0.10%
13 Month $10,000 0.95% 0.95%
13 Month IRA $10,000 0.95% 0.95%
13 Month New Money++ $10,000 1.14% 1.15%
13 Month New Money++ IRA $10,000 1.14% 1.15%
22 Month $10,000 1.14% 1.15%
22 Month IRA $10,000 1.14% 1.15%
22 Month New Money++ $10,000 1.34% 1.35%
22 Month New Money++ IRA $10,000 1.34% 1.35%
1 Year $500.00 0.25% 0.25%
1 Year IRA $100.00 0.25% 0.25%
2 Year $500.00  0.50% 0.50%
2 Year IRA $100.00 0.50%  0.50% 
3 Year $500.00 1.05% 1.05%
3 Year IRA $100.00 1.05% 1.05%
3 1/2 Year Step-Up *** $500.00 1.05% 1.05%
3 1/2 Year Step-Up IRA *** $100.00 1.05% 1.05%
4 Year $500.00 1.20% 1.21%
4 Year IRA $100.00 1.20% 1.21%
5 Year $500.00 1.35% 1.36%
5 Year IRA $100.00 1.35% 1.36%
Jumbo Certificates $100,000.00 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 will be imposed for early withdrawal. 
++ New Money is defined as funds not currently on deposit at MCT

Current Loan Rates

Rates Effective as of April 11, 2017

Home Equity Loans

TermRateMonthly payment
5 Years 3.00% (3.057% APR) $179.67
7 Years 3.25% (3.291% APR) $133.26
10 Years 3.75% (3.779% APR) $100.06
15 Years 4.75% (4.771% APR) $77.78

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 75% 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.
All loans are subject to Credit approval and underwriting standards of Mauch Chunk Trust Company.

Home Equity Lines of Credit Conversion

Floating at Wall Street Journal Prime*

 
*The APR will be based on the Wall Street Journal Prime, as published daily. Your APR may vary. Maximum APR is 18%. Minimum loan amount is $10,000. Only for loans secured by the borrower's primary or secondary residence (excluding investment properties) in Pennsylvania. Fees may apply. Homeowners insurance is required. Rates are subject to change.  

 

 

Automobile

Model Year TermRateMonthly Payment
New Up to 5 Years 3.34% (3.645% APR)* $181.20
New 6 Years 3.99% (4.247% APR) $156.40
Used Up to 5 years 3.84% (4.146% APR)* $183.44

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.

Motorcycle and ATV

Model Year TermRateMonthly Payment
New Up to 5 Years 4.35% (4.657% APR)* $185.74
Used Up to 5 Years 8.49% (8.807% APR)* $205.10

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.

Personal

TermLoan AmountRateMonthly Payment
Up to 5 years Up to $10,000 7.35% (7.666%APR)* $199.66
Up to 5 years Greater than $10,000 7.85% (8.165%APR)* $202.03

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.

Mortgage Loans

Click here for our current mortgage rates

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