Bank · FDIC insured
MCS Bank CD Rates
MCS Bank’s best CD rate is 3.75% APY on a 7-month CD. Terms run from 1 month to 10 years. Rates checked October 16, 2026.
How MCS Bank’s CD rates compare
Compared with banks and credit unions near Lewistown, PA, where MCS Bank has the most branches. $10,000, best rate first.
This bank’s best
MCS Bank
3.75%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $217
Certificates of Deposit
Top rate
Everence
4.10%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
PA Central Federal Credit Union
4.06%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $510
MCS Bank CD score
82
CD score
Higher than 57% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.29%
- QualifiedQualified3.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where MCS Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.75%APY · 22 terms
Fixed-rate personal CDs. Interest may be paid by direct deposit or added to the CD; compounds quarterly, credited quarterly or at maturity. Automatic renewal after a 7-day grace period. No setup or maintenance fees. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month31 Day term. Minimum $1,000 to open and earn the stated APY. Early withdrawal penalty: 1 month | 0.20% | $2 |
| 3 months92 Day term. Minimum $1,000 to open and earn the stated APY. Early withdrawal penalty: 3 months | 1.05% | $26 |
| 6 months182 Day term. Minimum $1,000 to open and earn the stated APY. Early withdrawal penalty: 3 months | 2.52% | $125 |
| 7 months7 Month Special. Minimum $1,000 to open and earn the stated APY. Early withdrawal penalty: 3 months | 3.75% | $217 |
| 11 months11 Month Special. Minimum $1,000 to open and earn the stated APY. Early withdrawal penalty: 3 months | 3.75% | $343 |
| 12 months12 Month term. Minimum $1,000 to open and earn the stated APY. Early withdrawal penalty: 3 months | 0.42% | $42 |
| 17 months17 Month Special. Minimum $1,000 to open and earn the stated APY. Early withdrawal penalty: 6 months | 3.75% | $535 |
| 18 months18 Month term. Minimum $1,000 to open and earn the stated APY. Early withdrawal penalty: 6 months | 0.42% | $63 |
| 24 months24 Month term. Minimum $1,000 to open and earn the stated APY. Early withdrawal penalty: 6 months | 0.42% | $84 |
| 25 months25 Month Special. Minimum $1,000 to open and earn the stated APY. Early withdrawal penalty: 6 months | 3.75% | $797 |
| 30 months30 Month term. Minimum $1,000 to open and earn the stated APY. Early withdrawal penalty: 6 months | 0.45% | $113 |
| 36 months36 Month (3 year) term. Minimum $1,000 to open and earn the stated APY. Early withdrawal penalty: 6 months | 0.55% | $166 |
| 37 months37 Month Special. Minimum $1,000 to open and earn the stated APY. Early withdrawal penalty: 6 months | 3.29% | $1,050 |
| 48 months48 Month (4 year) term. Minimum $1,000 to open and earn the stated APY. Early withdrawal penalty: 9 months | 0.60% | $242 |
| 49 months49 Month Special. Minimum $1,000 to open and earn the stated APY. Early withdrawal penalty: 9 months | 3.03% | $1,296 |
| 60 months60 Month (5 year) term. Minimum $1,000 to open and earn the stated APY. Early withdrawal penalty: 9 months | 0.60% | $304 |
| 61 months61 Month Special. Minimum $1,000 to open and earn the stated APY. Early withdrawal penalty: 9 months | 3.03% | $1,639 |
| 72 months72 Month (6 year) term. Minimum $1,000 to open and earn the stated APY. Early withdrawal penalty: 12 months | 0.60% | $365 |
| 84 months84 Month (7 year) term. Minimum $1,000 to open and earn the stated APY. Early withdrawal penalty: 12 months | 0.60% | $428 |
| 96 months96 Month (8 year) term. Minimum $1,000 to open and earn the stated APY. Early withdrawal penalty: 18 months | 0.60% | $490 |
| 108 months108 Month (9 year) term. Minimum $1,000 to open and earn the stated APY. Early withdrawal penalty: 18 months | 0.60% | $553 |
| 120 months120 Month (10 year) term. Minimum $1,000 to open and earn the stated APY. Early withdrawal penalty: 18 months | 0.60% | $616 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 3.75%APY · 20 terms
IRA CD wrapper for Traditional and Roth. Same rate schedule as regular certificates. No annual or setup fees. Substantial penalty for early withdrawal.
| Term | APY · Any balance | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months92 Day IRA CD. Minimum $500 to open and earn the stated APY. Early withdrawal penalty: 3 months | 1.05% | — | 1.05% | $26 |
| 7 months7 Month Special IRA CD. Minimum $500 to open and earn the stated APY. Early withdrawal penalty: 3 months | — | 3.75% | 3.75% | $217 |
| 11 months11 Month Special IRA CD. Minimum $500 to open and earn the stated APY. Early withdrawal penalty: 3 months | — | 3.75% | 3.75% | $343 |
| 12 months12 Month IRA CD. Minimum $500 to open and earn the stated APY. Early withdrawal penalty: 3 months | — | 0.42% | 0.42% | $42 |
| 17 months17 Month Special IRA CD. Minimum $500 to open and earn the stated APY. Early withdrawal penalty: 6 months | — | 3.75% | 3.75% | $535 |
| 18 months18 Month IRA CD. Minimum $500 to open and earn the stated APY. Early withdrawal penalty: 6 months | — | 0.42% | 0.42% | $63 |
| 24 months24 Month IRA CD. Minimum $500 to open and earn the stated APY. Early withdrawal penalty: 6 months | — | 0.42% | 0.42% | $84 |
| 25 months25 Month Special IRA CD. Minimum $500 to open and earn the stated APY. Early withdrawal penalty: 6 months | 3.75% | — | 3.75% | $797 |
| 30 months30 Month IRA CD. Minimum $500 to open and earn the stated APY. Early withdrawal penalty: 6 months | — | 0.45% | 0.45% | $113 |
| 36 months36 Month (3 year) IRA CD. Minimum $500 to open and earn the stated APY. Early withdrawal penalty: 6 months | — | 0.55% | 0.55% | $166 |
| 37 months37 Month Special IRA CD. Minimum $500 to open and earn the stated APY. Early withdrawal penalty: 6 months | — | 3.29% | 3.29% | $1,050 |
| 48 months48 Month (4 year) IRA CD. Minimum $500 to open and earn the stated APY. Early withdrawal penalty: 9 months | — | 0.60% | 0.60% | $242 |
| 49 months49 Month Special IRA CD. Minimum $500 to open and earn the stated APY. Early withdrawal penalty: 9 months | — | 3.03% | 3.03% | $1,296 |
| 60 months60 Month (5 year) IRA CD. Minimum $500 to open and earn the stated APY. Early withdrawal penalty: 9 months | — | 0.60% | 0.60% | $304 |
| 61 months61 Month Special IRA CD. Minimum $500 to open and earn the stated APY. Early withdrawal penalty: 9 months | — | 3.03% | 3.03% | $1,639 |
| 72 months72 Month (6 year) IRA CD. Minimum $500 to open and earn the stated APY. Early withdrawal penalty: 12 months | — | 0.60% | 0.60% | $365 |
| 84 months84 Month (7 year) IRA CD. Minimum $500 to open and earn the stated APY. Early withdrawal penalty: 12 months | — | 0.60% | 0.60% | $428 |
| 96 months96 Month (8 year) IRA CD. Minimum $500 to open and earn the stated APY. Early withdrawal penalty: 18 months | — | 0.60% | 0.60% | $490 |
| 108 months108 Month (9 year) IRA CD. Minimum $500 to open and earn the stated APY. Early withdrawal penalty: 18 months | — | 0.60% | 0.60% | $553 |
| 120 months120 Month (10 year) IRA CD. Minimum $500 to open and earn the stated APY. Early withdrawal penalty: 18 months | — | 0.60% | 0.60% | $616 |
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.