MCS Bank

Overview / Commentary

www.mcs.bank

717-248-5445

19 North Brown Street
Lewistown, PA 17044

MCS Bank is headquartered in Lewistown and is the 128^th largest bank in the state of Pennsylvania. It is also the 3,482^nd largest bank in the nation. It was established in 1923 and as of December of 2018, it had grown to 38 employees at 6 locations. MCS Bank's money market rates are 48% higher than the national average, and it has a B+ health rating.

View all posts from:

2015

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

Reviews (1)

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I love working with local small-town bank.

Posted by: kerryfuentes1 | Aug 10, 2017

I live in a small rural town and I love banking with our local small-town bank. When I first opened up my checking and savings account they took the time to go over all the accounts they offer with me and made sure that I was choosing the best for me. After I opened the account they then helped me order my new checks and setup online banking using their app. I love that when I go in to bank they know who I am by name and always talk to me. They also let me know if any of their products have changed and if they feel like maybe one of their new deposit products would fit me better. I love the 1 on 1 that I get from the small bank. I will never switch back to a large national bank.

Comment

Health

B+

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	28186
Year Established	1923
Employees	38
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.4%
Return on Equity - YTD	3.06%
Annual Interest Income	$5.7MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$143.4MM$139.8MM
Loans	Q4 2018vs Q4 2017	$114.0MM$107.1MM
Deposits	Q4 2018vs Q4 2017	$120.0MM$118.4MM
Equity Capital	Q4 2018vs Q4 2017	$19.0MM$18.7MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$900.00K$789.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$2.0MM$1.4MM
Real Estate Owned	Q4 2018vs Q4 2017	$9.00K$0

Rates

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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not MCS Bank; we are a rate comparison website and cannot provide official rates or promotions.

* 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
1.00%	-	$15k	Kasasa Saver
0.35%^*	$500^*	-	IRA Savings
OTHER TIERS: 0.30% → Up to $500
0.30%	$1	-	Smart Saver
0.30%	$1	-	Young Saver
0.20%	$1	-	Christmas Club
0.20%	$1	-	Vacation Club
0.10%	$50	-	Statement Savings
0.10%	$50	-	Business Statement Savings

MCS Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.65%^*	$50k^*	-	Indexed Money Market
OTHER TIERS: 0.40% → $2.5k - $10k \| 0.55% → $10k - $25k \| 0.60% → $25k - $50k

MCS Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^*	-	$15k	Kasasa Cash
OTHER TIERS: 0.50% → $15k+
0.10%	$500	-	Premium Checking
0.10%	$500	-	Senior Checking

MCS Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.63%	$1k	-	120 Month CD
2.63%	$1k	-	108 Month CD
2.57%	$1k	-	84 Month CD
2.57%	$1k	-	96 Month CD
2.57%	$1k	-	97 Month CD Special
2.52%	$1k	-	72 Month CD
2.52%	$1k	-	73 Month CD Special
2.47%	$1k	-	49 Month CD Special
2.47%	$1k	-	61 Month CD Special
2.42%	$1k	-	37 Month CD Special
2.42%	$1k	-	25 Month CD Special
2.37%	$1k	-	11 Month CD Special
1.56%	$1k	-	60 Month CD
1.56%	$1k	-	Business 60 Month CD
1.31%	$1k	-	48 Month CD
1.31%	$1k	-	Business 48 Month CD
1.00%	$1k	-	36 Month CD
1.00%	$1k	-	Business 36 Month CD
0.80%	$1k	-	30 Month CD
0.80%	$1k	-	Business 30 Month CD
0.70%	$1k	-	24 Month CD
0.70%	$1k	-	Business 24 Month CD
0.65%	$1k	-	18 Month CD
0.65%	$1k	-	Business 18 Month CD
0.55%	$1k	-	12 Month CD
0.55%	$1k	-	Business 12 Month CD
0.50%	$1k	-	182 Day CD
0.50%	$1k	-	Business 182 Day CD
0.35%	$1k	-	92 Day CD
0.35%	$1k	-	Business 92 Day CD
0.25%	$1k	-	31 Day CD
0.25%	$1k	-	Business 31 Day CD

MCS Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.63%	$500	-	120 Month IRA
2.63%	$500	-	108 Month IRA
2.57%	$500	-	84 Month IRA
2.57%	$500	-	96 Month IRA
2.57%	$500	-	97 Month IRA Special
2.52%	$500	-	72 Month IRA
2.52%	$500	-	73 Month IRA Special
2.47%	$500	-	49 Month IRA Special
2.47%	$1k	-	61 Month IRA Special
2.42%	$500	-	37 Month IRA Special
2.42%	$1k	-	25 Month IRA Special
2.42%	$500	-	25 Month IRA Special
2.37%	$500	-	11 Month IRA Special
1.56%	$500	-	60 Month IRA
1.31%	$500	-	48 Month IRA
1.00%	$500	-	36 Month IRA
0.80%	$500	-	30 Month IRA
0.70%	$500	-	24 Month IRA
0.65%	$500	-	18 Month IRA
0.55%	$500	-	12 Month IRA
0.50%	$500	-	182 Day IRA
0.35%	$500	-	92 Day IRA
0.25%	$500	-	31 Day IRA

Locations

MCS Bank Locations
Mifflin County Savings Bank	19 North Brown Street	Lewistown, PA 17044
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	Brown and Specht Streets	Mclure, PA 17841
Allensville Branch	108 East Main Street	Allensville, PA 17002

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