Bank · FDIC insured
MCS Bank Auto Loan Rates
MCS Bank auto loans start at 9.38% APR for a new vehicle and 10.94% for a used one. Rates checked October 16, 2026.
How MCS Bank’s auto loan rates compare
Compared with banks and credit unions near Lewistown, PA, where MCS Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
MCS Bank
9.38%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
New Auto Loans
Lowest rate
Everence
4.74%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
PA Central Federal Credit Union
4.99%APR
- Terms
- up to 84 months
- Discount
- None included
MCS Bank auto loan score
60
Auto loan score
Higher than 0% of U.S. banks and credit unions
- New vehicleNew9.38%
- Used vehicleUsed10.94%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MCS Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto Loans
Competitive fixed rates for vehicle purchase. Pre-approval available. Subject to MCS Bank underwriting.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 10.70% | Stated rates require auto draft from an MCS Bank checking account. No down payment required. Rates and APR subject to underwriting; rate and term offered may be less favorable due to credit history and other factors. |
| up to 60 months | 9.91% | Stated rates require auto draft from an MCS Bank checking account. No down payment required. Rates and APR subject to underwriting; rate and term offered may be less favorable due to credit history and other factors. |
| up to 72 months | 9.38% | Stated rates require auto draft from an MCS Bank checking account. No down payment required. Rates and APR subject to underwriting; rate and term offered may be less favorable due to credit history and other factors. |
Sources (3)
- mcs.bank/loans-credit/personal-loans/auto-loans.html
- mcs.bank/services-resources/tools/rates.html
- mcs.bank/loans-credit/personal-loans
All captured Oct 6, 2026
Used Auto Loans
Used vehicle purchase. Subject to MCS Bank underwriting.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 12.51% | Vehicle age 2-5 years. Stated rates require auto draft from an MCS Bank checking account. No down payment required. Rates and APR subject to underwriting; rate and term offered may be less favorable due to credit history and other factors. |
| up to 48 months | 11.46% | Vehicle age 2-5 years. Stated rates require auto draft from an MCS Bank checking account. No down payment required. Rates and APR subject to underwriting; rate and term offered may be less favorable due to credit history and other factors. |
| up to 60 months | 10.94% | Vehicle age 2-5 years. Stated rates require auto draft from an MCS Bank checking account. No down payment required. Rates and APR subject to underwriting; rate and term offered may be less favorable due to credit history and other factors. |
| up to 60 months | 12.74% | Vehicle age 6 years and older. Stated rates require auto draft from an MCS Bank checking account. No down payment required. Rates and APR subject to underwriting; rate and term offered may be less favorable due to credit history and other factors. |
Sources (2)
All captured Oct 6, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.