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Current Deposit Rates

Rates effective as of February 10, 2021

Checking & Savings Accounts
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%
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	0.10%	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

Transitions Checking Account
Minimum Balance Required To Obtain Annual Percentage Yield^**	Interest Rate	APY^*
$0.00 - $4,999.99	0.10%	0.10%
$5,000.00 - $24,999.99	0.10%	0.10%
$25,000.00 - $49,999.99	0.10%	0.15%
$50,000.00 and above	0.15%	0.15%

*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

Investor's Money Market CD
Minimum Balance Required To Obtain Annual Percentage Yield^**	Interest Rate	APY^*
$50,000 and above	0.15%	0.15%

Investor's Money Market Account
Minimum Balance Required To Obtain Annual Percentage Yield^**	Interest Rate	APY^*	Bonus Interest Rate¹	APY^*
$0.00 - $4,999.99	0.05%	0.05%	0.10%	0.10%
$5,000.00 - $24,999.99	0.05%	0.05%	0.10%	0.10%
$25,000.00 - $49,999.99	0.05%	0.05%	0.10%	0.10%
$50,000.00 and above	0.10%	0.10%	0.15%	0.15%

*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 Rate	APY^*
$3,500.00 - $9,999.99	0.05%	0.05%
$10,000.00 and above	0.05%	0.05%

Business Interest Checking
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%

Community Checking Plus Interest
Minimum Balance Required To Obtain Annual Percentage Yield^**	Interest Rate	APY ^*
$1,000.00	0.05%	0.05%

Business Money Market Savings Account
Minimum Balance Required To Obtain Annual Percentage Yield^**	Interest Rate	APY ^*
$0.00 - $4,999.99	0.05%	0.05%
$5,000.00 - $24,999.99	0.05%	0.05%
$25,000.00 - $49,999.99	0.05%	0.05%
$50,000.00 and above	0.15%	0.15%

Certificates of Deposit - Fixed Rate
Certificate Type	Minimum Balance Required To Obtain Annual Percentage Yield^**	Interest Rate	APY ^*
3 Month	$500	0.10%	0.10%
6 Month	$500	0.10%	0.10%
1 Year	$500	0.10%	0.10%
1 Year IRA	$100	0.10%	0.10%
2 Year	$500	0.20%	0.20%
2 Year IRA	$100	0.20%	0.20%
3 Year	$500	0.30%	0.30%
3 Year IRA	$100	0.30%	0.30%
3 1/2 Year Step-Up ^***	$500	0.30%	0.30%
3 1/2 Year Step-Up IRA ^***	$100	0.30%	0.30%
4 Year	$500	0.40%	0.40%
4 Year IRA	$100	0.40%	0.40%
5 Year	$500	0.45%	0.45%
5 Year IRA	$100	0.45%	0.45%
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 will be imposed for early withdrawal.
++ New Money is defined as funds not currently on deposit at MCT.
Please refer to IRA documents for additional terms and conditions.

Current Loan Rates

Rates Effective as of February 28, 2020

Home Equity Loans
Term	Rate	Monthly Payment
5 Years	4.15% (4.207% APR)	$184.84
7 Years	4.49% (4.625% APR)	$138.96
10 Years	4.49% (4.587% APR)	$103.59
15 Years	4.85% (4.918% APR)	$78.30

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 85% loan-to-value on primary residences and 85% 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)

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. MCT pays all closing costs. 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.
Consult your tax advisor on the deductibility of interest.

Automobile
Model Year	Term	Rate	Monthly Payment
New	Up to 5 Years	3.75% (4.062% APR)^*	$183.06
New	6 Years	4.99% (5.258% APR)	$161.03
Used	Up to 5 Years	4.75% (5.064% APR)^*	$187.59

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	Term	Rate	Monthly Payment
New	Up to 5 Years	5.75% (6.070% APR)^*	$192.20
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 Loans
Term	Loan Amount	Rate	Monthly Payment
Up to 5 Years	Up to $10,000	7.75% (7.7558%APR)^**	$201.60
Up to 5 Years	Greater than $10,000	8.25% (8.256%APR)^**	$204.00

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

View Our Current Mortgage Rates

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