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Mauch Chunk Trust Company Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: November 5, 2026
Mauch Chunk Trust Company's 3-Month CD rates are at 2.83%, 5 Year CD rates are at 2.81%, 6-Month CD rates are at 2.80%, 9-Month CD rates are at 2.80%, 2 Year CD rates are at 2.79%. Mauch Chunk Trust Company's savings rates are at 2.02%. Mauch Chunk Trust Company's money market rates are at 1.05%. Mauch Chunk Trust Company's checking rates are as high as 0.10%. Mauch Chunk Trust Company's Personal Loan Rates are as low as 10.419%. Mauch Chunk Trust Company's top CD rate of 3.85% APY on a 13 month CD is 28% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an F health rating. MonitorBankRates evaluates the financial stability of Mauch Chunk Trust Company with a 1.0 Star Rating, an F Overall Health Grade, and a Texas Ratio of 55.00%. Rates last updated and verified on 11/05/2026.
Mauch Chunk Trust Company money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Mauch Chunk Trust Company? Share your experience about Mauch Chunk Trust Company by leaving a review below, or read customer reviews before you decide to use Mauch Chunk Trust Company.
Overall Health & Safety Grade
?
F
High Risk HealthScore: 33/100
Overall Health & Safety Grade
Mauch Chunk Trust Company has earned an overall safety grade of F (High Risk, Score: 33/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
1.0
WeakOut of 5.0 Stars
MonitorBankRates Star Rating
Mauch Chunk Trust Company has earned a Star Rating of 1.0 out of 5 stars (Weak).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
55.00%
WeakHigher than avg
Mauch Chunk Trust Company Texas Ratio
Mauch Chunk Trust Company's Texas Ratio is 55.00%, which is considered weak and is higher than the national average of 5.85%.
A Texas Ratio above 50% is a warning sign, indicating non-performing assets are putting pressure on capital reserves.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
50.23% to 55.00% over 4 quarters, worseningFull history
Star Rating 1.0 to 1.0, Health Grade F to F
The Texas Ratio for this bank has weakened since Q3 2024. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
Mauch Chunk Trust Company CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
13-Month CD or IRA-CD (New Money)
3.78%
3.85%
13 Month
$10,000
Min Deposit$10,000
Min Balance$10,000
DetailsNew money only: $10,000 new money required; new money means funds not currently on deposit at MCT
Last Updated11/05/2026
Rate History
1 change since Oct 6, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
Nov 5, 20263.85%▲ from 3.50%
Oct 6, 20263.50%first recorded
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
22-Month CD or IRA-CD
3.79%
3.85%
22 Month
$10,000
Min Deposit$10,000
Min Balance$10,000
DetailsMinimum balance required to open and obtain APY
Last Updated11/05/2026
Rate History
1 change since Sep 30, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
Nov 5, 20263.85%▲ from 3.50%
Sep 30, 20263.50%first recorded
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
8-Month CD or IRA-CD (New Money)
3.59%
3.65%
8 Month
$10,000
Min Deposit$10,000
Min Balance$10,000
DetailsNew money only: $10,000 new money required; new money means funds not currently on deposit at MCT
Last Updated11/05/2026
Rate History
1 change since Oct 6, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
Nov 5, 20263.65%▲ from 3.50%
Oct 6, 20263.50%first recorded
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
13-Month CD or IRA-CD
3.54%
3.60%
13 Month
$10,000
Min Deposit$10,000
Min Balance$10,000
DetailsMinimum balance required to open and obtain APY
Last Updated11/05/2026
Rate History
1 change since Sep 30, 2026 · 3.25% → 3.60% ▲ 0.35 pts · high 3.60% / low 3.25%
Nov 5, 20263.60%▲ from 3.25%
Sep 30, 20263.25%first recorded
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
8-Month CD or IRA-CD
3.35%
3.40%
8 Month
$10,000
Min Deposit$10,000
Min Balance$10,000
DetailsMinimum balance required to open and obtain APY
Last Updated11/05/2026
Rate History
1 change since Sep 30, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25%
Nov 5, 20263.40%▲ from 3.25%
Sep 30, 20263.25%first recorded
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
3-Month CD
2.79%
2.83%
3 Month
$500
Min Deposit$500
Min Balance$500
DetailsMinimum balance required to open and obtain APY; APY = Annual Percentage Yield
Last Updated11/05/2026
Rate History
No change since Sep 30, 2026 · 2.83% APY · checked 10 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
5-Year CD
2.78%
2.81%
5 Year
$500
Min Deposit$500
Min Balance$500
DetailsMinimum balance required to open and obtain APY
Last Updated11/05/2026
Rate History
No change since Sep 30, 2026 · 2.81% APY · checked 10 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
5-Year IRA-CD
2.78%
2.81%
5 Year
$100
Min Deposit$100
Min Balance$100
DetailsIRA certificate; minimum balance required to open and obtain APY
Last Updated11/05/2026
Rate History
No change since Sep 30, 2026 · 2.81% APY · checked 10 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
6-Month CD
2.76%
2.80%
6 Month
$500
Min Deposit$500
Min Balance$500
DetailsMinimum balance required to open and obtain APY; APY = Annual Percentage Yield
Last Updated11/05/2026
Rate History
No change since Sep 30, 2026 · 2.80% APY · checked 10 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
6-Month IRA-CD
2.76%
2.80%
6 Month
$100
Min Deposit$100
Min Balance$100
DetailsIRA certificate; minimum balance required to open and obtain APY
Last Updated11/05/2026
Rate History
No change since Sep 30, 2026 · 2.80% APY · checked 10 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
9-Month CD
2.76%
2.80%
9 Month
$10,000
Min Deposit$10,000
Min Balance$10,000
DetailsMinimum balance required to open and obtain APY
Last Updated11/05/2026
Rate History
No change since Sep 30, 2026 · 2.80% APY · checked 10 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
2-Year CD
2.75%
2.79%
2 Year
$500
Min Deposit$500
Min Balance$500
DetailsMinimum balance required to open and obtain APY
Last Updated11/05/2026
Rate History
No change since Sep 30, 2026 · 2.79% APY · checked 10 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
2-Year IRA-CD
2.75%
2.79%
2 Year
$100
Min Deposit$100
Min Balance$100
DetailsIRA certificate; minimum balance required to open and obtain APY
Last Updated11/05/2026
Rate History
No change since Sep 30, 2026 · 2.79% APY · checked 10 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
3 1/2-Year Step-Up CD
2.75%
2.78%
3 1/2 Year
$500
Min Deposit$500
Min Balance$500
DetailsStep-up CD; interest rate may be changed at MCT's discretion based on steps in the original agreement; minimum balance required to open and obtain APY
Last Updated11/05/2026
Rate History
No change since Sep 30, 2026 · 2.78% APY · checked 5 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
3 1/2-Year Step-Up IRA-CD
2.75%
2.78%
3 1/2 Year
$100
Min Deposit$100
Min Balance$100
DetailsStep-up IRA certificate; interest rate may be changed at MCT's discretion based on steps in the original agreement; minimum balance required to open and obtain APY
Last Updated11/05/2026
Rate History
No change since Sep 30, 2026 · 2.78% APY · checked 5 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
3-Year CD
2.75%
2.78%
3 Year
$500
Min Deposit$500
Min Balance$500
DetailsMinimum balance required to open and obtain APY
Last Updated11/05/2026
Rate History
No change since Sep 30, 2026 · 2.78% APY · checked 10 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
3-Year IRA-CD
2.75%
2.78%
3 Year
$100
Min Deposit$100
Min Balance$100
DetailsIRA certificate; minimum balance required to open and obtain APY
Last Updated11/05/2026
Rate History
No change since Sep 30, 2026 · 2.78% APY · checked 10 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
4-Year CD
2.75%
2.78%
4 Year
$500
Min Deposit$500
Min Balance$500
DetailsMinimum balance required to open and obtain APY
Last Updated11/05/2026
Rate History
No change since Sep 30, 2026 · 2.78% APY · checked 10 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
4-Year IRA-CD
2.75%
2.78%
4 Year
$100
Min Deposit$100
Min Balance$100
DetailsIRA certificate; minimum balance required to open and obtain APY
Last Updated11/05/2026
Rate History
No change since Sep 30, 2026 · 2.78% APY · checked 10 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
1-Year CD
2.74%
2.77%
1 Year
$500
Min Deposit$500
Min Balance$500
DetailsMinimum balance required to open and obtain APY
Last Updated11/05/2026
Rate History
No change since Sep 30, 2026 · 2.77% APY · checked 10 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
1-Year IRA-CD
2.74%
2.77%
1 Year
$100
Min Deposit$100
Min Balance$100
DetailsIRA certificate; minimum balance required to open and obtain APY
Last Updated11/05/2026
Rate History
No change since Sep 30, 2026 · 2.77% APY · checked 10 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
Mauch Chunk Trust Company Savings Rates
Product
Rate
APY
View More
Power Savings
2.00%
2.02%
Min Balance$500,000
DetailsBalance: $500,000.00 and above
Last Updated11/05/2026
Rate History
No change since Sep 30, 2026 · 2.02% APY · checked 11 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
Power Savings
1.50%
1.51%
Min Balance$25,000
DetailsBalance: $25,000.00 - $499,999.99
Last Updated11/05/2026
Rate History
No change since Sep 30, 2026 · 1.51% APY · checked 11 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
Power Savings
0.75%
0.75%
Min Balance$5,000
DetailsBalance: $5,000.00 - $24,999.99
Last Updated11/05/2026
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 11 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
Power Savings
0.05%
0.05%
Min Balance$0
DetailsBalance: $0.01 - $4,999.99
Last Updated11/05/2026
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 11 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
Statement Savings
0.05%
0.05%
Min Balance$0
DetailsBalance: No Minimum
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 6 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
Mauch Chunk Trust Company Business Savings Rates
Product
Rate
APY
View More
Business Money Market Savings Account
1.00%
1.00%
Min Deposit$5,000
Min Balance$1,000,000
DetailsBalance: $1,000,000 and above
Last Updated11/05/2026
Rate History
No change since Nov 5, 2026 · 1.00% APY
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
Business Money Market Savings Account
0.75%
0.75%
Min Deposit$5,000
Min Balance$250,000
DetailsBalance: $250,000.00 - $999,999.99
Last Updated11/05/2026
Rate History
No change since Nov 5, 2026 · 0.75% APY
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
Business Money Market Savings Account
0.60%
0.60%
Min Deposit$5,000
Min Balance$100,000
DetailsBalance: $100,000.00 - $249,999.99
Last Updated11/05/2026
Rate History
No change since Nov 5, 2026 · 0.60% APY
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
Business Money Market Savings Account
0.45%
0.45%
Min Deposit$5,000
Min Balance$25,000
DetailsBalance: $25,000.00 - $99,999.99
Last Updated11/05/2026
Rate History
No change since Nov 5, 2026 · 0.45% APY
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
Business Money Market Savings Account
0.05%
0.05%
Min Deposit$5,000
Min Balance$0
DetailsBalance: $0.00 - $24,999.99
Last Updated11/05/2026
Rate History
No change since Nov 5, 2026 · 0.05% APY
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
Mauch Chunk Trust Company Money Market Rates
Product
Rate
APY
View More
Investor's Money Market CD
2.47%
2.50%
Min Balance$50,000
DetailsBalance: $50,000.00 and above; Minimum balance required to obtain APY; variable rate account; penalty may be imposed for early withdrawal
Last Updated11/05/2026
Rate History
No change since Oct 10, 2026 · 2.50% APY · checked 8 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
Investor's Money Market Account
1.05%
1.05%
Min Balance$1,000,000
DetailsBonus Interest Rate 1; Balance: $1,000,000 and above
Last Updated11/05/2026
Rate History
No change since Oct 10, 2026 · 1.05% APY · checked 2 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
Investor's Money Market Account
1.00%
1.00%
Min Balance$1,000,000
DetailsBalance: $1,000,000 and above
Last Updated11/05/2026
Rate History
No change since Oct 10, 2026 · 1.00% APY · checked 2 times
No change since Oct 14, 2026 · 9.84% APR · checked 2 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
Mauch Chunk Trust Company Personal Loan Rates
Product
APR
Term
View More
Personal Loan
10.419%
Up to 5 Years
DetailsLoan Amount: Less than $9,999.99; Minimum loan amount $5,000.00; Maximum loan amount $50,000.00
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 10.42% APR · checked 7 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
Personal Loan
13.435%
Up to 5 Years
DetailsLoan Amount: $10,000 or greater; Minimum loan amount $5,000.00; Maximum loan amount $50,000.00
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 13.44% APR · checked 7 times
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 55.00%
Financial Health History
Mauch Chunk Trust Company’s Texas Ratio rose from 50.23% in Q3 2024 to 55.00% in Q2 2026, so its financial health has weakened over the past 4 quarters. Over the same period its Star Rating moved from 1.0 to 1.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$643M
55.00%
1.0
F
March 31, 2026
$638M
150.36%
1.0
F
December 31, 2025
$649M
114.24%
1.0
F
September 30, 2024
$670M
50.23%
1.0
F
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for Mauch Chunk Trust Company is derived from comprehensive financial data published quarterly by the FDIC.
Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio:
We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation:
We gather Mauch Chunk Trust Company rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Mauch Chunk Trust Company's official website for the most current offers and terms.
Address
1111 North St,
Jim Thorpe, PA 18229 · Carbon
Bank Holding CompanyMAUCH CHUNK TR FINANCIAL CORP
FDIC Certificate #2359
RegulatorFDIC
EstablishedAugust 25, 1902
FDIC Insurance DateJanuary 1, 1934
Domestic Offices7
Total Branches7
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
1.0 / 5.0 ★
Overall Health & Safety Grade
F (33/100)
Texas Ratio
55.00%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.2180%
Return on Equity (ROE)
40.4800%
Non-Performing Loans Ratio (NPL)
0.59%
Total Assets
$642,783,000
Total Deposits
$607,529,000
Equity Capital
$6,882,000
Net Income
$701,000
Headquarters
Jim Thorpe
Total Branches and Offices
7
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Mauch Chunk Trust Company
Does Mauch Chunk Trust Company offer CDs?
Yes. Mauch Chunk Trust Company current CD rates include its 3-Month CD at 2.83% APY, its 5 Year CD at 2.81% APY and its 6-Month CD at 2.80% APY, verified by MonitorBankRates as of November 5, 2026.
Are CDs from Mauch Chunk Trust Company FDIC insured?
Yes. Mauch Chunk Trust Company is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Mauch Chunk Trust Company?
The highest Mauch Chunk Trust Company CD rate is its 13-Month CD or IRA-CD (New Money) at 3.85% APY, verified by MonitorBankRates as of November 5, 2026.
What CD terms does Mauch Chunk Trust Company offer?
Mauch Chunk Trust Company CD rates are 2.83% APY for a 3 month CD, 2.80% APY for a 6 month CD, 2.80% APY for a 9 month CD, 2.77% APY for a 12 month CD, 2.79% APY for a 2 year CD, 2.78% APY for a 3 year CD, 2.78% APY for a 4 year CD and 2.81% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Mauch Chunk Trust Company for its full lineup.
What is the highest savings rate at Mauch Chunk Trust Company?
The highest Mauch Chunk Trust Company savings rate is its Power Savings at 2.02% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest money market rate at Mauch Chunk Trust Company?
The highest Mauch Chunk Trust Company money market rate is its Investor's Money Market CD at 2.50% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest checking rate at Mauch Chunk Trust Company?
The highest Mauch Chunk Trust Company checking rate is its Business Interest Checking at 0.10% APY, verified by MonitorBankRates as of November 5, 2026.
What is the lowest personal loan rate at Mauch Chunk Trust Company?
The lowest Mauch Chunk Trust Company personal loan rate is its Personal Loan at 10.00%, verified by MonitorBankRates as of November 5, 2026.
How many branches does Mauch Chunk Trust Company operate?
Mauch Chunk Trust Company currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is there a first-time homebuyer program?
Currently, Mauch Chunk Trust Company does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Mauch Chunk Trust Company provides members with tools to manage their accounts and build a solid financial history.
Does Mauch Chunk Trust Company offer online and mobile banking?
Most modern institutions like Mauch Chunk Trust Company provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mct.bank.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Mauch Chunk Trust Company rates compare?
Mauch Chunk Trust Company's top CD rate of 3.85% APY on a 13 month CD is 28% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an F health rating. Mauch Chunk Trust Company's top rates are its 13-Month CD or IRA-CD (New Money) at 3.85% APY, its Power Savings at 2.02% APY, its Investor's Money Market Account at 1.05% APY, its Business Interest Checking at 0.10% APY and its Personal Loan at 10.419% APR, verified by MonitorBankRates on November 5, 2026.
Current Mauch Chunk Trust Company Rates
12-Month CD2.77%
24-Month CD2.78%
36-Month CD2.78%
48-Month CD2.78%
60-Month CD2.81%
Savings2.02%
MMA1.05%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
