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MCS Bank Rates & Review November 2026

Q: 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%

Q: What CD terms does MCS Bank offer?

MCS Bank CD rates are 3.85% APY for a 7 month CD, 0.42% APY for a 12 month CD, 0.42% APY for an 18 month CD, 0.42% APY for a 2 year CD, 0.45% APY for a 30 month CD, 0.55% APY for a 3 year CD, 0.60% APY for a 4 year CD and 0.60% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with MCS Bank for its full lineup.

Q: What is the highest savings rate at MCS Bank?

The highest MCS Bank savings rate is its IRA Savings at 0.10% APY, verified by MonitorBankRates as of November 6, 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 6, 2026

MCS Bank's 7-Month CD rates are at 3.85%, CD - 48-Month (4 year) rates are at 0.60%, CD - 60-Month (5 year) rates are at 0.60%, CD - 36-Month (3 year) rates are at 0.55%, CD - 30-Month rates are at 0.45%. MCS Bank's savings rates are at 0.10%. MCS Bank's checking rates are as high as 0.50%. MCS Bank's Auto Loan Rates are as low as 9.375%. MCS Bank's top CD rate of 3.85% APY on an 11 month CD is 29% higher than the MonitorBankRates national average of 3.00% APY for that term, and it has an A+ health rating. 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 11/06/2026.

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 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

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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	Min. Deposit
11-Month CD Special	3.80%	3.85%	11 Month	-
Min Balance $1,000 Details Early Withdrawal Penalty: 3 Months Last Updated 11/06/2026 Rate History 1 change since Sep 19, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65% Oct 21, 20263.85%▲ from 3.65% Sep 19, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
7-Month CD	-	3.85%	7 Months	-
Details Featured rate card; Term for APY 7 Months Last Updated 11/06/2026 Rate History 1 change since Oct 7, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 21, 20263.85%▲ from 3.75% Oct 7, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
7-Month CD Special	3.80%	3.85%	7 Month	-
Min Balance $1,000 Details Early Withdrawal Penalty: 3 Months Last Updated 11/06/2026 Rate History 1 change since Sep 19, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60% Oct 21, 20263.85%▲ from 3.60% Sep 19, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
CD Specials - 11-Month Special	3.80%	3.85%	11 Month	-
Min Balance $1,000 Details Early Withdrawal Penalty: 3 Months; The minimum to open and earn the stated APY is $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
CD Specials - 7-Month Special	3.80%	3.85%	7 Month	-
Min Balance $1,000 Details Early Withdrawal Penalty: 3 Months; The minimum to open and earn the stated APY is $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
17-Month CD Special	3.70%	3.75%	17 Month	-
Min Balance $1,000 Details Early Withdrawal Penalty: 6 Months Last Updated 11/06/2026 Rate History No change since Sep 19, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
25-Month CD Special	3.70%	3.75%	25 Month	-
Min Balance $1,000 Details Early Withdrawal Penalty: 6 Months Last Updated 11/06/2026 Rate History No change since Sep 19, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
CD Specials - 17-Month Special	3.70%	3.75%	17 Month	-
Min Balance $1,000 Details Early Withdrawal Penalty: 6 Months; The minimum to open and earn the stated APY is $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
CD Specials - 25-Month Special	3.70%	3.75%	25 Month	-
Min Balance $1,000 Details Early Withdrawal Penalty: 6 Months; The minimum to open and earn the stated APY is $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
37-Month CD Special	3.25%	3.29%	37 Month	-
Min Balance $1,000 Details Early Withdrawal Penalty: 6 Months Last Updated 11/06/2026 Rate History No change since Sep 19, 2026 · 3.29% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
CD Specials - 37-Month Special	3.25%	3.29%	37 Month	-
Min Balance $1,000 Details Early Withdrawal Penalty: 6 Months; The minimum to open and earn the stated APY is $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.29% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
49-Month CD Special	3.00%	3.03%	49 Month	-
Min Balance $1,000 Details Early Withdrawal Penalty: 9 Months Last Updated 11/06/2026 Rate History No change since Sep 19, 2026 · 3.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
CD Specials - 49-Month Special	3.00%	3.03%	49 Month	-
Min Balance $1,000 Details Early Withdrawal Penalty: 9 Months; The minimum to open and earn the stated APY is $1,000.00 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
CD - 182 Day	2.50%	2.52%	182 Day	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 3 Months Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 2.52% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
CD - 92 Day	1.05%	1.05%	92 Day	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 3 Months Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 1.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
CD - 48-Month (4-year)	0.60%	0.60%	48 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 9 Months Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
CD - 60-Month (5-year)	0.60%	0.60%	60 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 9 Months Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
CD - 36-Month (3-year)	0.55%	0.55%	36 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 6 Months Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
CD - 30-Month	0.45%	0.45%	30 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 6 Months Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
CD - 12-Month	0.42%	0.42%	12 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 3 Months Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.42% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
CD - 18-Month	0.42%	0.42%	18 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 6 Months Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.42% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
CD - 24-Month	0.42%	0.42%	24 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 6 Months Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.42% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
CD - 31 Day	0.20%	0.20%	31 Day	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawal Penalty: 1 Month Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.20% APY · checked 4 times 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 Balance $1 Last Updated 11/06/2026 Rate History No change since Sep 19, 2026 · 0.12% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Christmas Club	0.10%	0.10%
Min Balance $1 Last Updated 11/06/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
IRA Savings	0.10%	0.10%
Min Balance $500 Details Balance: Balances of $500+ Last Updated 11/06/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
My First Savings	0.10%	0.10%
Min Balance $50 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Statement Savings	0.10%	0.10%
Min Balance $50 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Vacation Club	0.10%	0.10%
Min Balance $1 Last Updated 11/06/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Young Saver	0.10%	0.10%
Min Balance $1 Last Updated 11/06/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

MCS Bank Business Money Market Rates

Product	Rate	APY	View More
Money Market Account & Business Money Market Account	0.00%	0.00%
Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 11/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

MCS Bank Checking Rates

Product	Rate	APY
Free Kasasa Cash Checking	-	0.50%
Min Deposit $25 Min Balance $0 Details Qualifications Required; Balance: $0.00 - $15,000.00; Refunds on ATM withdrawal fees, nationwide; Link to free Kasasa Saver to build savings automatically Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Kasasa Cash Checking	0.50%	0.50%
Min Deposit $25 Min Balance $0 Details Qualifications Required; Qualifying balance up to $15,000.00 Last Updated 11/06/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Premium Checking	0.10%	0.10%
Min Balance $500 Last Updated 11/06/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Senior Checking	0.10%	0.10%
Min Balance $500 Last Updated 11/06/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 10 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 Loan - 60 Months First Lien	6.375%	-	6.88%	60 Months
Details First Lien; Payment per $1,000: $19.51; Annual Percentage Rate is based on $35,000 loan amount and up to 80% equity Last Updated 11/06/2026 Rate History 1 change since Sep 15, 2026 · 6.50% → 6.88% ▲ 0.38 pts · high 6.88% / low 6.50% Oct 21, 20266.88%▲ from 6.50% Sep 15, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Home Equity Loan - First Lien	6.375%	-	6.88%	60 Months
Details Lien: First Lien; APR based on $35,000 loan amount and up to 80% equity Last Updated 11/06/2026 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 Loan - 36 Months First Lien	6.125%	-	6.94%	36 Months
Details First Lien; Payment per $1,000: $30.48; Annual Percentage Rate is based on $35,000 loan amount and up to 80% equity Last Updated 11/06/2026 Rate History 1 change since Sep 15, 2026 · 6.56% → 6.94% ▲ 0.38 pts · high 6.94% / low 6.56% Oct 21, 20266.94%▲ from 6.56% Sep 15, 20266.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Home Equity Loan - First Lien	6.125%	-	6.94%	36 Months
Details Lien: First Lien; APR based on $35,000 loan amount and up to 80% equity Last Updated 11/06/2026 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 Loan - 84 Months First Lien	6.625%	-	7.00%	84 Months
Details First Lien; Payment per $1,000: $14.91; Annual Percentage Rate is based on $35,000 loan amount and up to 80% equity Last Updated 11/06/2026 Rate History 1 change since Sep 15, 2026 · 6.62% → 7.00% ▲ 0.38 pts · high 7.00% / low 6.62% Oct 21, 20267.00%▲ from 6.62% Sep 15, 20266.62%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Home Equity Loan - First Lien	6.625%	-	7.00%	84 Months
Details Lien: First Lien; APR based on $35,000 loan amount and up to 80% equity Last Updated 11/06/2026 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 Loan - 60 Months Subordinate Lien	6.625%	-	7.13%	60 Months
Details Subordinate Lien; Payment per $1,000: $19.62; Annual Percentage Rate is based on $35,000 loan amount and up to 80% equity Last Updated 11/06/2026 Rate History 1 change since Sep 15, 2026 · 6.76% → 7.13% ▲ 0.37 pts · high 7.13% / low 6.76% Oct 21, 20267.13%▲ from 6.76% Sep 15, 20266.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Home Equity Loan - Subordinate Lien	6.625%	-	7.13%	60 Months
Details Lien: Subordinate Lien; APR based on $35,000 loan amount and up to 80% equity Last Updated 11/06/2026 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 Loan - 36 Months Subordinate Lien	6.375%	-	7.19%	36 Months
Details Subordinate Lien; Payment per $1,000: $30.59; Annual Percentage Rate is based on $35,000 loan amount and up to 80% equity Last Updated 11/06/2026 Rate History 1 change since Sep 15, 2026 · 6.81% → 7.19% ▲ 0.38 pts · high 7.19% / low 6.81% Oct 21, 20267.19%▲ from 6.81% Sep 15, 20266.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Home Equity Loan - Subordinate Lien	6.375%	-	7.19%	36 Months
Details Lien: Subordinate Lien; APR based on $35,000 loan amount and up to 80% equity Last Updated 11/06/2026 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 Loan - 84 Months Subordinate Lien	6.875%	-	7.25%	84 Months
Details Subordinate Lien; Payment per $1,000: $15.03; Annual Percentage Rate is based on $35,000 loan amount and up to 80% equity Last Updated 11/06/2026 Rate History 1 change since Sep 15, 2026 · 6.87% → 7.25% ▲ 0.38 pts · high 7.25% / low 6.87% Oct 21, 20267.25%▲ from 6.87% Sep 15, 20266.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Home Equity Loan - Subordinate Lien	6.875%	-	7.25%	84 Months
Details Lien: Subordinate Lien; APR based on $35,000 loan amount and up to 80% equity Last Updated 11/06/2026 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 Loan - 120 Months First Lien	7.00%	-	7.27%	120 Months
Details First Lien; Payment per $1,000: $11.61; Annual Percentage Rate is based on $35,000 loan amount and up to 80% equity Last Updated 11/06/2026 Rate History 1 change since Sep 15, 2026 · 6.90% → 7.27% ▲ 0.37 pts · high 7.27% / low 6.90% Oct 21, 20267.27%▲ from 6.90% Sep 15, 20266.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Home Equity Loan - First Lien	7.00%	-	7.27%	120 Months
Details Lien: First Lien; APR based on $35,000 loan amount and up to 80% equity Last Updated 11/06/2026 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 Loan - 180 Months First Lien	7.25%	-	7.45%	180 Months
Details First Lien; Payment per $1,000: $9.13; Annual Percentage Rate is based on $35,000 loan amount and up to 80% equity Last Updated 11/06/2026 Rate History 1 change since Sep 15, 2026 · 6.95% → 7.45% ▲ 0.50 pts · high 7.45% / low 6.95% Oct 21, 20267.45%▲ from 6.95% Sep 15, 20266.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Home Equity Loan - First Lien	7.25%	-	7.45%	180 Months
Details Lien: First Lien; APR based on $35,000 loan amount and up to 80% equity Last Updated 11/06/2026 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 - 120 Months Subordinate Lien	7.25%	-	7.52%	120 Months
Details Subordinate Lien; Payment per $1,000: $11.74; Annual Percentage Rate is based on $35,000 loan amount and up to 80% equity Last Updated 11/06/2026 Rate History 1 change since Sep 15, 2026 · 7.15% → 7.52% ▲ 0.37 pts · high 7.52% / low 7.15% Oct 21, 20267.52%▲ from 7.15% Sep 15, 20267.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Home Equity Loan - Subordinate Lien	7.25%	-	7.52%	120 Months
Details Lien: Subordinate Lien; APR based on $35,000 loan amount and up to 80% equity Last Updated 11/06/2026 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 Loan - 180 Months Subordinate Lien	7.50%	-	7.70%	180 Months
Details Subordinate Lien; Payment per $1,000: $9.26; Annual Percentage Rate is based on $35,000 loan amount and up to 80% equity Last Updated 11/06/2026 Rate History 1 change since Sep 15, 2026 · 7.32% → 7.70% ▲ 0.38 pts · high 7.70% / low 7.32% Oct 21, 20267.70%▲ from 7.32% Sep 15, 20267.32%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Home Equity Loan - Subordinate Lien	7.50%	-	7.70%	180 Months
Details Lien: Subordinate Lien; APR based on $35,000 loan amount and up to 80% equity Last Updated 11/06/2026 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 Loan - 240 Months First Lien	7.625%	-	7.79%	240 Months
Details First Lien; Payment per $1,000: $8.13; Annual Percentage Rate is based on $35,000 loan amount and up to 80% equity Last Updated 11/06/2026 Rate History 1 change since Sep 15, 2026 · 7.29% → 7.79% ▲ 0.50 pts · high 7.79% / low 7.29% Oct 21, 20267.79%▲ from 7.29% Sep 15, 20267.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Home Equity Loan - First Lien	7.625%	-	7.79%	240 Months
Details Lien: First Lien; APR based on $35,000 loan amount and up to 80% equity Last Updated 11/06/2026 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 Loan - 240 Months Subordinate Lien	7.875%	-	8.04%	240 Months
Details Subordinate Lien; Payment per $1,000: $8.29; Annual Percentage Rate is based on $35,000 loan amount and up to 80% equity Last Updated 11/06/2026 Rate History 1 change since Sep 15, 2026 · 7.66% → 8.04% ▲ 0.38 pts · high 8.04% / low 7.66% Oct 21, 20268.04%▲ from 7.66% Sep 15, 20267.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Home Equity Loan - Subordinate Lien	7.875%	-	8.04%	240 Months
Details Lien: Subordinate Lien; APR based on $35,000 loan amount and up to 80% equity Last Updated 11/06/2026 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 Loan - 72 Months	6.50%	-	9.375%	72 Months
Details Auto draft of payment from a MCS Bank checking account required; No down payment required Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 9.38% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
New Auto Loan - 60 Months	6.50%	-	9.91%	60 Months
Details Auto draft of payment from a MCS Bank checking account required; No down payment required Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 9.91% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
New Auto Loan - 48 Months	6.50%	-	10.697%	48 Months
Details Auto draft of payment from a MCS Bank checking account required; No down payment required Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 10.70% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Used Auto Loans - 60 Months	7.50%	-	10.939%	60 Months
Details Vehicle Age: 2 - 5 Years; Payment per $1,000 $20.04 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 10.94% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Used Auto Loans - 48 Months	7.25%	-	11.455%	48 Months
Details Vehicle Age: 2 - 5 Years; Payment per $1,000 $24.06 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 11.46% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Used Auto Loans - 36 Months	7.00%	-	12.505%	36 Months
Details Vehicle Age: 2 - 5 Years; Payment per $1,000 $30.88 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 12.51% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Used Auto Loans - 60 Months	9.25%	-	12.743%	60 Months
Details Vehicle Age: 6 Years and older; Payment per $1,000 $20.88 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 12.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

MCS Bank Other Rates

Product	Rate	Points	APY/APR
Kasasa Saver Savings	0.10%	-	0.10%
Min Deposit $25 Min Balance $0 Details Qualifications Required; Balance: 0 - $15,000 Last Updated 11/06/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 10 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 Qualifications Required; Balance: $15,000+ Last Updated 11/06/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 10 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.
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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

Bank Name MCS Bank

Website https://www.mcs.bank

Address 100 Commerce Dr, Milroy, PA 17063 · Mifflin

FDIC Certificate # 28186

Regulator FDIC

Established January 1, 1923

FDIC Insurance Date August 9, 1989

Domestic Offices 10

Total Branches 10

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.51%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.8728%

Return on Equity (ROE)

7.4200%

Non-Performing Loans Ratio (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

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

MCS Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 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, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

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Total Reviews

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Frequently Asked Questions About MCS Bank

Does MCS Bank offer CDs?

Yes. MCS Bank current CD rates include its 7-Month CD at 3.85% APY, its CD - 48-Month (4 year) at 0.60% APY and its CD - 60-Month (5 year) at 0.60% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from MCS Bank FDIC insured?

Yes. MCS Bank 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 MCS Bank?

The highest MCS Bank CD rate is its 11-Month Certificate Special at 3.85% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does MCS Bank offer?

MCS Bank CD rates are 3.85% APY for a 7 month CD, 0.42% APY for a 12 month CD, 0.42% APY for an 18 month CD, 0.42% APY for a 2 year CD, 0.45% APY for a 30 month CD, 0.55% APY for a 3 year CD, 0.60% APY for a 4 year CD and 0.60% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with MCS Bank for its full lineup.

What is the highest savings rate at MCS Bank?

The highest MCS Bank savings rate is its IRA Savings at 0.10% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest checking rate at MCS Bank?

The highest MCS Bank checking rate is its Free Kasasa Cash Checking at 0.50% APY, verified by MonitorBankRates as of November 6, 2026.

What is the lowest auto loan rate at MCS Bank?

The lowest MCS Bank auto loan rate is its New Auto Loan - 72 Months at 6.50%, verified by MonitorBankRates as of November 6, 2026. MCS Bank auto loan rates are 7.00% for a 36 month auto loan, 6.50% for a 48 month auto loan, 6.50% for a 60 month auto loan and 6.50% for a 72 month auto loan.

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.

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 MCS Bank rates compare?

MCS Bank's top CD rate of 3.85% APY on an 11 month CD is 29% higher than the MonitorBankRates national average of 3.00% APY for that term, and it has an A+ health rating. MCS Bank's top rates are its 11-Month Certificate Special at 3.85% APY, its IRA Savings at 0.10% APY, its Free Kasasa Cash Checking at 0.50% APY and its New Auto Loan - 72 Months at 9.375% APR, verified by MonitorBankRates on November 6, 2026.

Current MCS Bank Rates

12-Month CD0.42%
18-Month CD0.42%
24-Month CD0.42%
36-Month CD0.55%
48-Month CD0.60%
60-Month CD0.60%
Savings0.10%

Retrieved from our database of financial products. Rates subject to change.

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MCS Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

MCS Bank Texas Ratio

MCS Bank Health Trend

MCS Bank CD Rates

MCS Bank Savings Rates

MCS Bank Business Money Market Rates

MCS Bank Checking Rates

MCS Bank Home Equity & HELOC

MCS Bank Auto Loan Rates

MCS Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

MCS Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About MCS Bank

Does MCS Bank offer CDs?

Are CDs from MCS Bank FDIC insured?

What is the highest CD rate at MCS Bank?

What CD terms does MCS Bank offer?

What is the highest savings rate at MCS Bank?

What is the highest checking rate at MCS Bank?

What is the lowest auto loan rate at MCS Bank?

How many branches does MCS Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does MCS Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do MCS Bank rates compare?

Current MCS Bank Rates

Compare to Other Banks