MCS Bank

Overview / Commentary

www.mcs.bank

717-248-5445

19 North Brown Street
Lewistown, PA 17044

MCS Bank is headquartered in MILROY and is the 100^th largest bank in the state of Pennsylvania. It is also the 2,998^th largest bank in the nation. It was established in 1923 and as of June of 2024, it had grown to 53 employees at 10 locations. MCS Bank has an A+ health rating.

View all posts from:

2015

7/23 - MCS Bank (PA) Continues To Offer Competitive Long-Terms CDs

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Health

A+

Data as of Q2 2024

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Health Grade Components

Overall
FDIC Certificate #	28186
Year Established	1923
Employees	53
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.49%
Return on Equity - YTD	4.41%
Annual Interest Income	$4.7MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$205.3MM$189.8MM
Loans	Q2 2024vs Q2 2023	$163.9MM$150.3MM
Deposits	Q2 2024vs Q2 2023	$179.9MM$163.5MM
Equity Capital	Q2 2024vs Q2 2023	$22.4MM$21MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$1.8MM$1.9MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$315K$1.8MM
Real Estate Owned	Q2 2024vs Q2 2023	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

MCS Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.12%	$1	-	Smart Saver
0.10%	$50	-	Statement Savings
0.10%	$1	-	Christmas Club
0.10%	$1	-	Vacation Club
0.10%	$1	-	Young Saver
0.10%	$0	-	IRA Savings
0.10%	$0	-	Kasasa Saver
0.10%	$50	-	Business Statement Savings
0.10%	$50	-	My First Savings

MCS Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$25k^*	-	Indexed Money Market
OTHER TIERS: 0.10% → $2.5k - $10k \| 0.15% → $10k - $25k
0.20%^*	$25k^*	-	Business Money Market
OTHER TIERS: 0.10% → $2.5k - $10k \| 0.15% → $10k - $25k

MCS Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$0	$15k	Kasasa Cash
OTHER TIERS: 0.10% → $15k+
0.10%	$500	-	Premium Checking
0.10%	$500	-	Senior Checking

MCS Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.78%	$1k	-	7 Month CD Special
4.37%	$1k	-	11 Month CD Special
4.01%	$1k	-	17 Month CD Special
3.75%	$1k	-	25 Month CD Special
2.78%	$1k	-	37 Month CD Special
2.52%	$1k	-	182 Day CD
2.52%	$1k	-	49 Month CD Special
2.52%	$1k	-	61 Month CD Special
2.52%	$1k	-	Business 182 Day CD
1.05%	$1k	-	92 Day CD
1.05%	$1k	-	Business 92 Day CD
0.60%	$1k	-	48 Month CD
0.60%	$1k	-	60 Month CD
0.60%	$1k	-	84 Month CD
0.60%	$1k	-	120 Month CD
0.60%	$1k	-	72 Month CD
0.60%	$1k	-	96 Month CD
0.60%	$1k	-	108 Month CD
0.60%	$1k	-	Business 48 Month CD
0.60%	$1k	-	Business 60 Month CD
0.55%	$1k	-	36 Month CD
0.55%	$1k	-	Business 36 Month CD
0.45%	$1k	-	30 Month CD
0.45%	$1k	-	Business 30 Month CD
0.42%	$1k	-	12 Month CD
0.42%	$1k	-	18 Month CD
0.42%	$1k	-	24 Month CD
0.42%	$1k	-	Business 12 Month CD
0.42%	$1k	-	Business 18 Month CD
0.42%	$1k	-	Business 24 Month CD
0.20%	$1k	-	31 Day CD
0.20%	$1k	-	Business 31 Day CD

MCS Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.78%	$500	-	7 Month IRA Special
4.37%	$500	-	11 Month IRA Special
4.01%	$500	-	17 Month IRA Special
3.75%	$500	-	25 Month IRA Special
2.78%	$500	-	37 Month IRA Special
2.52%	$500	-	182 Day IRA
2.52%	$500	-	49 Month IRA Special
2.52%	$500	-	61 Month IRA Special
1.05%	$500	-	92 Day IRA
0.60%	$500	-	48 Month IRA
0.60%	$500	-	60 Month IRA
0.60%	$500	-	84 Month IRA
0.60%	$500	-	120 Month IRA
0.60%	$500	-	72 Month IRA
0.60%	$500	-	96 Month IRA
0.60%	$500	-	108 Month IRA
0.55%	$500	-	36 Month IRA
0.45%	$500	-	30 Month IRA
0.42%	$500	-	12 Month IRA
0.42%	$500	-	18 Month IRA
0.42%	$500	-	24 Month IRA
0.20%	$500	-	31 Day IRA

Locations

MCS Bank Locations
Mifflin County Savings Bank	100 Commerce Dr	Milroy, PA 17063
23 E Main St Branch	4009 East Main Street	Belleville, PA 17004
Shirley Street Branch	23-27 East Shirley Street	Mount Union, PA 17066
McClure Branch	1 East Specht Street	Mcclure, PA 17841
Allensville Branch	108 East Main Street	Allensville, PA 17002
Mcs Bank-Mobile Courier Pickup	4009 E. Main Street	Belleville, PA 17004
Lewistown Branch	19 N Brown St	Lewistown, PA 17044

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