Is debt overwhelming you? MCT has your solutions.

If you’re ready to take control of your finances, a Debt Consolidation Loan can be an effective way to streamline payments and potentially reduce your interest charges. It also may lower your monthly debt payments!

Special rates for Home Equity Lines of Credit or Personal Loans, now through July 11, 2024.

Apply for a HELOC   Apply for a Personal Loan

Debt Consolidation Promotion May 2024 

Apply for a HELOC   Apply for a Personal Loan

* APR = Annual Percentage Rate and is subject to the credit approval and underwriting standards of Mauch Chunk Trust Company. Terms and conditions may vary depending on your credit score.

** HELOC: MCT checking account is required for autopay to be set up by date of loan closing. Fixed 12 month introductory rate is 6.74% APR with autopay and 6.99% APR without autopay. Existing lines of credit do not qualify for rate discount. Rate shown includes a 0.25% discount for autopay from a MCT checking account, and does not apply to any carved-out term; the rate may increase if auto debit is terminated. 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. After the promotional 12 months, regular rate will be based on the Wall Street Journal Prime Rate, as published daily.

***Wall Street Journal Prime Rate as of April 18, 2024. Visit for details. 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.

† Personal/Unsecured Loan: Minimum loan amount is $5,000.00 and maximum loan amount is $50,000.00. The advertised rate of 9.165% APR is for balances less than $10,000.00. A rate of 12.179% APR is applicable to balances over $10,000.00. Various terms available. Your APR may vary and rates are subject to change. The APR can be as high as 12.343% if you don’t qualify for the advertised APR. APR is accurate as of date of publication and subject to change without notice.