Personal Loans

Did the holidays cost you more than you bargained for?


Start saving thousands with a MCT Personal Loan and stop paying fees!

 MCT Personal LoanHigh-Interest Rate Credit Card
Balance $10,000 $10,000
Interest Rate 5.89% APR* 20.00% APR
Monthly Payment $192.83 $264.98
5-Year Interest Paid $1,569.63 $5,898.69

 Estimated Savings with MCT: $4,329.06


MCT knows how easy it is to let the holidays get the better of our bank accounts. A Personal Loan from MCT can help consolidate high-interest credit card debt you may have built up during the holiday season. Stop into any MCT Branch and talk to our Personal Loan Experts to see if a Personal Loan is right for you, or click here to apply now!

Take advantage of monthly payments that won’t break your budget. For added convenience, you can also have payments automatically deducted from your account. Our personal, unsecured signature loans rely on the strength of your credit with no collateral required.

Combined with MCT's online and mobile banking options, you can easily setup automatic payments/transfers.

Ready to apply? Let's get started.

Apply online for a Personal Loan  
View our Personal Loan Rates  Apply in a Branch  Securely contact our Lending Team

Apply online or visit any of our branch locations. You can also make an appointment with our personal loan experts at our Main Office at 1111 North Street, Jim Thorpe, PA- just call 570-325-2265


*APR = Annual Percentage Rate and is subject to the credit approval and underwriting standards of Mauch Chunk Trust Company. Minimum loan amount of $5,000.00. Maximum loan amount is $50,000. Minimum new money amount of $5,000 is required. New Money is defined as funds not currently on deposit with or under obligation to MCT. Maximum term of 5 years (60 months). Other rates and terms available. Minimum credit score of 700 and debt-to-income ratio of 43% or less required to obtain the advertised APR. The APR can be as high as 8.256% if you don’t qualify for the advertised APR. APR is accurate as of date of publication and subject to change without notice. Example Payment: For a term of 60 months, you will pay $192.83 each month for borrowing $10,000 at an interest rate of 5.89%/5.89% APR. Example chart shows calculations based on a 5-year MCT Personal Loan with a fixed rate of 5.89% APR and assumes that no other interest is accrued on any other loans outside the $10,000 balance during the same period. Both calculations assume 60 total monthly payments and no pre-payment amounts.



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Mauch Chunk Trust Company

Mauch Chunk Trust Company was incorporated August 25, 1902 as the successor institution to the Second National Bank of Mauch Chunk, established in 1864. We remain a locally owned and managed independent community bank. While many banks of our type have merged or simply disappeared, our ability to change with the times has allowed us to grow and prosper for over 117 years. Read more about our history here.

We have 7 community banking offices & 1 Trust/Investment office located in Carbon & Schuylkill Counties, Pennsylvania in the following communities: Jim Thorpe, Albrightsville, Lehighton, Nesquehoning & Tamaqua (Hometown, West Penn).

We are the "Neighbors you know, bankers you trust." Voted as the favorite Bank & Favorite Mortgage Company in the Times News 2019 Readers' Choice contest.