What are the current interest rates at MCS Bank?

Current rates for MCS Bank include: 12-Month CD: 0.42%, 18-Month CD: 0.42%, 24-Month CD: 0.42%, 36-Month CD: 0.55%, 48-Month CD: 0.60%, 60-Month CD: 0.60%, Savings: 0.10%

MonitorBankRates

☰

Home›
Banks›
MCS Bank

iAdvertiser Disclosure

MCS Bank Rates & Review October 2026

Q: How many branches does MCS Bank operate?

MCS Bank currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, MCS Bank 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, MCS Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

MCS Bank's top rates as of October 11, 2026 are 3.75% APY on its 11-Month Special CD, 0.10% APY on savings, 0.10% APY on checking, and personal loans from 9.99% APR, according to rates verified by MonitorBankRates. Other MCS Bank CD rates include 17-Month Special CD at 3.75%, 25-Month Special CD at 3.75%, and 7-Months 7-Month Business Certificates of Deposit (CDs) at 3.75%. MonitorBankRates evaluates the financial stability of MCS Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.51%. Rates last updated and verified on 10/11/2026.

MCS Bank 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 MCS Bank? Share your experience about MCS Bank by leaving a review below, or read customer reviews before you decide to use MCS Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.51%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

MCS Bank

100 Commerce Dr
Milroy, PA 17063

https://www.mcs.bank

Customer Reviews

Be the first to review

Write a Review

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.

MCS Bank CD Rates

Product	Rate	APY	Term
11 Month Special CD	3.70%	3.75%	11 Month
Min Deposit $1,000 Details Early Withdrawal Penalty: 3 Months Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
17 Month Special CD	3.70%	3.75%	17 Month
Min Deposit $1,000 Details Early Withdrawal Penalty: 6 Months Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
25 Month Special CD	3.70%	3.75%	25 Month
Min Deposit $1,000 Details Early Withdrawal Penalty: 6 Months Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
7 Month Special CD	3.70%	3.75%	7 Month
Min Deposit $1,000 Details Early Withdrawal Penalty: 3 Months Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
7 month CD	-	3.75%	7 Months
Details Please Call for Rate Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
37 Month Special CD	3.25%	3.29%	37 Month
Min Deposit $1,000 Details Early Withdrawal Penalty: 6 Months Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.29% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
49 Month Special CD	3.00%	3.03%	49 Month
Min Deposit $1,000 Details Early Withdrawal Penalty: 9 Months Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
182 Day Certificates of Deposit	2.50%	2.52%	182 Day
Min Deposit $1,000 Details Early Withdrawal Penalty: 3 Months Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 2.52% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
92 Day Certificates of Deposit	1.05%	1.05%	92 Day
Min Deposit $1,000 Details Early Withdrawal Penalty: 3 Months Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 1.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
48 Month Certificates of Deposit	0.60%	0.60%	48 Month (4 year)
Min Deposit $1,000 Details Early Withdrawal Penalty: 9 Months Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
60 Month Certificates of Deposit	0.60%	0.60%	60 Month (5 year)
Min Deposit $1,000 Details Early Withdrawal Penalty: 9 Months Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Certificates of Deposit - 48 Month (4 year)	0.60%	0.60%	48 Month
Min Deposit $1,000 Details Early Withdrawal Penalty: 9 Months Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Certificates of Deposit - 60 Month (5 year)	0.60%	0.60%	60 Month
Min Deposit $1,000 Details Early Withdrawal Penalty: 9 Months Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
36 Month Certificates of Deposit	0.55%	0.55%	36 Month (3 year)
Min Deposit $1,000 Details Early Withdrawal Penalty: 6 Months Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Certificates of Deposit - 36 Month (3 year)	0.55%	0.55%	36 Month
Min Deposit $1,000 Details Early Withdrawal Penalty: 6 Months Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
30 Month Certificates of Deposit	0.45%	0.45%	30 Month
Min Deposit $1,000 Details Early Withdrawal Penalty: 6 Months Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
12 Month Certificates of Deposit	0.42%	0.42%	12 Month
Min Deposit $1,000 Details Early Withdrawal Penalty: 3 Months Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.42% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
18 Month Certificates of Deposit	0.42%	0.42%	18 Month
Min Deposit $1,000 Details Early Withdrawal Penalty: 6 Months Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.42% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
24 Month Certificates of Deposit	0.42%	0.42%	24 Month
Min Deposit $1,000 Details Early Withdrawal Penalty: 6 Months Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.42% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
31 Day Certificates of Deposit	0.20%	0.20%	31 Day
Min Deposit $1,000 Details Early Withdrawal Penalty: 1 Month Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

MCS Bank Business CD Rates

Product	Rate	APY	Term	View More
7 Month Business Certificates of Deposit (CDs)	-	3.75%	7 Months
Min Deposit $1,000 Details Fixed rates, higher than regular savings; Receive higher rates by selecting a longer term; Interest earnings paid by check; can also be added to CD or deposited to an MCS Bank account; Compounds quarterly, credited quarterly or at maturity; Set aside for future savings goals; A wide range of terms available (from 31 days to 5 years); No setup or maintenance fees; Penalty for early withdrawal; Renews automatically upon maturity after 7-day grace period Last Updated 10/11/2026 Rate History No change since Oct 11, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

MCS Bank Savings Rates

Product	Rate	APY
Smart Saver	0.12%	0.12%
Min Deposit $1 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.12% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Christmas Club	0.10%	0.10%
Min Deposit $1 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
IRA Savings	0.10%	0.10%
Min Balance $0 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
My First Savings	0.10%	0.10%
Min Deposit $50 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Statement Savings	0.10%	0.10%
Min Deposit $50 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Vacation Club	0.10%	0.10%
Min Deposit $1 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Young Saver	0.10%	0.10%
Min Deposit $1 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

MCS Bank Checking Rates

Product	Rate	APY
Premium Checking	0.10%	0.10%
Min Balance $0 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Senior Checking	0.10%	0.10%
Min Balance $0 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

MCS Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans - First Lien	6.375%	-	6.88%	60 Months
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 6.50% → 6.88% ▲ 0.38 pts · high 6.88% / low 6.50% Oct 3, 20266.88%▲ from 6.50% Sep 19, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Home Equity Loans - First Lien	6.125%	-	6.94%	36 Months
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 6.56% → 6.94% ▲ 0.38 pts · high 6.94% / low 6.56% Oct 3, 20266.94%▲ from 6.56% Sep 19, 20266.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Home Equity Loans - First Lien	6.625%	-	7.00%	84 Months
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 6.62% → 7.00% ▲ 0.38 pts · high 7.00% / low 6.62% Oct 3, 20267.00%▲ from 6.62% Sep 19, 20266.62%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Home Equity Loans - Subordinate Lien	6.625%	-	7.13%	60 Months
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 6.76% → 7.13% ▲ 0.37 pts · high 7.13% / low 6.76% Oct 3, 20267.13%▲ from 6.76% Sep 19, 20266.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Home Equity Loans - Subordinate Lien	6.375%	-	7.19%	36 Months
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 6.81% → 7.19% ▲ 0.38 pts · high 7.19% / low 6.81% Oct 3, 20267.19%▲ from 6.81% Sep 19, 20266.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Home Equity Loans - Subordinate Lien	6.875%	-	7.25%	84 Months
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 6.87% → 7.25% ▲ 0.38 pts · high 7.25% / low 6.87% Oct 3, 20267.25%▲ from 6.87% Sep 19, 20266.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Home Equity Loans - First Lien	7.00%	-	7.27%	120 Months
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 6.90% → 7.27% ▲ 0.37 pts · high 7.27% / low 6.90% Oct 3, 20267.27%▲ from 6.90% Sep 19, 20266.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Home Equity Loans - First Lien	7.25%	-	7.45%	180 Months
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 6.95% → 7.45% ▲ 0.50 pts · high 7.45% / low 6.95% Oct 3, 20267.45%▲ from 6.95% Sep 19, 20266.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Home Equity Loan	-	-	7.50%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 15, 2026 · 7.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Home Equity Loans - Subordinate Lien	7.25%	-	7.52%	120 Months
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 7.15% → 7.52% ▲ 0.37 pts · high 7.52% / low 7.15% Oct 3, 20267.52%▲ from 7.15% Sep 19, 20267.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Home Equity Loans - Subordinate Lien	7.50%	-	7.70%	180 Months
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 7.32% → 7.70% ▲ 0.38 pts · high 7.70% / low 7.32% Oct 3, 20267.70%▲ from 7.32% Sep 19, 20267.32%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Home Equity Loans - First Lien	7.625%	-	7.79%	240 Months
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 7.29% → 7.79% ▲ 0.50 pts · high 7.79% / low 7.29% Oct 3, 20267.79%▲ from 7.29% Sep 19, 20267.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Home Equity Loans - Subordinate Lien	7.875%	-	8.04%	240 Months
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 7.66% → 8.04% ▲ 0.38 pts · high 8.04% / low 7.66% Oct 3, 20268.04%▲ from 7.66% Sep 19, 20267.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

MCS Bank Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loans	6.50%	-	9.375%	72 Months
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 15, 2026 · 9.04% → 9.38% ▲ 0.34 pts · high 9.38% / low 9.04% Sep 19, 20269.38%▲ from 9.04% Sep 15, 20269.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
New Auto Loans	6.50%	-	9.91%	60 Months
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 15, 2026 · 9.55% → 9.91% ▲ 0.36 pts · high 9.91% / low 9.55% Sep 19, 20269.91%▲ from 9.55% Sep 15, 20269.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
New Auto Loans	6.50%	-	10.697%	48 Months
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 15, 2026 · 10.31% → 10.70% ▲ 0.38 pts · high 10.70% / low 10.31% Sep 19, 202610.70%▲ from 10.31% Sep 15, 202610.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Used Auto Loans	7.50%	-	10.939%	60 Months
Details Vehicle Age: 2 - 5 Years Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 10.94% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Used Auto Loans	7.25%	-	11.455%	48 Months
Details Vehicle Age: 2 - 5 Years Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 11.46% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Used Auto Loans	7.00%	-	12.505%	36 Months
Details Vehicle Age: 2 - 5 Years Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 12.51% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Used Auto Loans	9.25%	-	12.743%	60 Months
Details Vehicle Age: 6 Years and older Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 12.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

MCS Bank RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Recreational Vehicle Loan	-	8.50%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 15, 2026 · 8.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

MCS Bank Personal Loan Rates

Product	APR	Term	View More
Personal Loan	9.99%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 15, 2026 · 9.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

MCS Bank Other Rates

Product	Rate	Points	APY/APR	Term
Kasasa Cash Checking	0.50%	-	0.50%
Min Deposit $25 Min Balance $0 Details Qualifications Required: 0.50% APY on balances up to $15,000.00; 0.05% APY on balances over $15,000.00; Balance: 0 - $15,000 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Kasasa Cash Checking	0.10%	-	0.10%
Min Deposit $25 Min Balance $15,000 Details Qualifications Required: 0.50% APY on balances up to $15,000.00; 0.05% APY on balances over $15,000.00; Balance: $15,000+ Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Kasasa Cash Checking	0.05%	-	0.05%
Min Deposit $25 Min Balance $0 Details All balances if qualifications not met Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 0.50% → 0.05% ▼ 0.45 pts · high 0.50% / low 0.05% Oct 7, 20260.05%▼ from 0.50% Sep 19, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Kasasa Cash Checking	-	-	3.75%	7 Months
Details Qualifications Required: At least 1 direct deposit, ACH credit, or ACH payment transaction; At least 10 debit card purchases; Be enrolled in and agree to receive eStatements; Earn 3.75 % APY* on balances up to $10,000 daily; 0.05% APY on balances over $10,000. Qualifications not met 0.05 % APY* Last Updated 10/11/2026 Rate History No change since Oct 3, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Kasasa Saver Savings	0.10%	-	0.10%
Min Deposit $25 Min Balance $0 Details Balance: 0 - $15,000 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Kasasa Saver Savings	0.10%	-	0.10%
Min Deposit $25 Min Balance $15,000 Details Balance: $15,000+ Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Kasasa Saver Savings	-	-	0.50%
Details Qualifications Required: At least 1 direct deposit, ACH credit, or ACH payment transaction; At least 10 debit card purchases; Be enrolled in and agree to receive eStatements; Earn 0.50 % APY* on balances up to $10,000 daily; 0.05% APY on balances over $10,000. Qualifications not met 0.05 % APY* Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

MCS Bank’s Texas Ratio fell from 7.07% in Q3 2023 to 2.51% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. 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	$225M	2.51%	5.0	A+
March 31, 2026	$223M	3.34%	5.0	A+
December 31, 2025	$213M	3.91%	5.0	A+
September 30, 2025	$209M	3.36%	5.0	A+
June 30, 2025	$209M	5.16%	5.0	A+
March 31, 2025	$209M	5.19%	5.0	A+
December 31, 2024	$207M	5.75%	5.0	A+
September 30, 2024	$208M	5.70%	5.0	A+
June 30, 2024	$205M	1.41%	5.0	A+
March 31, 2024	$200M	5.79%	5.0	A+
December 31, 2023	$193M	5.69%	5.0	A+
September 30, 2023	$190M	7.07%	5.0	A

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 MCS Bank 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 MCS Bank 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 MCS Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name MCS Bank

FDIC Certificate # 28186

Address 100 Commerce Dr, Milroy, PA 17063 · Mifflin

Website https://www.mcs.bank

Established 19230101

FDIC Insurance Date 19890809

Domestic Offices 10

Total Branches 10

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.51%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8728%

Return on Equity (ROE) 7.4200%

Non-Performing Loans (NPL) 0.30%

Total Assets $224,698,000

Total Deposits $196,050,000

Equity Capital $26,418,000

Net Income $962,000

Headquarters Milroy

Total Branches and Offices 10

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

MCS Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/mcs-bank-rates-review-28186">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for MCS Bank yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for MCS Bank

Frequently Asked Questions About MCS Bank

How many branches does MCS Bank operate?

MCS Bank currently maintains approximately 10 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, MCS Bank 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, MCS Bank provides members with tools to manage their accounts and build a solid financial history.

Does MCS Bank offer online and mobile banking?

Most modern institutions like MCS Bank 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.mcs.bank.