MCS Bank Savings & Money Market Rates

How MCS Bank’s savings 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
0.15%APY
Requires
None
Minimum
$2,500
Earns on $10,000 a year
$15
Indexed Money Market Account
Top rate
Everence
2.85%APY
Requires
Another account
Minimum
$5,000
Earns on $10,000 a year
$285
Everence rates
2nd-highest rate
Kish Bank
1.35%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$135
Kish Bank rates

Compare savings rates near you →

Savings score

Higher than 18% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.12%
$10,000 balance$10,0000.15%
$100,000 balance$100,0000.20%
QualifiedQualified0.15%

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.

How the score works →

Where MCS Bank ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the bank’s website. Earnings assume the rate doesn’t change.

Indexed Money Market Account

0.15%APY$2,500 to open

Consumer Indexed Money Market Account with competitive tiered interest; higher balances earn higher rates. Interest accrued daily and paid monthly. Direct check writing and digital banking. Unlimited in-person withdrawals or by ATM, mail, or telephone payable to the accountholder; 6 pre-authorized withdrawals or transfers per statement cycle ($3 each thereafter). Minimum balance fee charged if the balance falls below $10,000. $2,500 minimum deposit to open.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Tier $0–$2,499.99. Minimum balance fee if balance falls below $10,000. Fees may reduce earnings.	0.00%	—	Tier $0–$2,499.99. Minimum balance fee if balance falls below $10,000. Fees may reduce earnings.
$2,500 – $10,000Tier $2,500–$9,999.99. Minimum balance fee if balance falls below $10,000. Fees may reduce earnings.	0.10%	—	Tier $2,500–$9,999.99. Minimum balance fee if balance falls below $10,000. Fees may reduce earnings.
$10,000 – $25,000Tier $10,000–$24,999.99. Minimum balance fee if balance falls below $10,000. Fees may reduce earnings.	0.15%	$15	Tier $10,000–$24,999.99. Minimum balance fee if balance falls below $10,000. Fees may reduce earnings.
$25,000 – $50,000Tier $25,000–$49,999.99. Minimum balance fee if balance falls below $10,000. Fees may reduce earnings.	0.20%	—	Tier $25,000–$49,999.99. Minimum balance fee if balance falls below $10,000. Fees may reduce earnings.
$50,000 and upTier $50,000+. Minimum balance fee if balance falls below $10,000. Fees may reduce earnings. Schedule is labeled Money Market Account & Business Money Market Account; this offer is the consumer Indexed Money Market Account.	0.20%	—	Tier $50,000+. Minimum balance fee if balance falls below $10,000. Fees may reduce earnings. Schedule is labeled Money Market Account & Business Money Market Account; this offer is the consumer Indexed Money Market Account.

Sources (2)

All captured Oct 6, 2026

Smart Saver

0.12%APY$100 to open

Restricted savings account. 1 free withdrawal per quarter; $10 per withdrawal thereafter. Interest earnings paid quarterly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$1 and upAvoid the $7 monthly fee by maintaining a $100 minimum balance. Earns interest on balances of $1 or more.$1 and up	0.12%	$12	Avoid the $7 monthly fee by maintaining a $100 minimum balance. Earns interest on balances of $1 or more.

Sources (2)

All captured Oct 6, 2026

Kasasa Saver

Up to 0.10%APYRequirements apply$25 to open

Must have a linked Kasasa Cash or Kasasa Cash Back checking account to open and maintain Kasasa Saver. Requires agreement to receive e-Statements.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $15,000Qualifications met in linked Kasasa Cash or Kasasa Cash Back account during Monthly Qualification Cycle: at least 1 direct deposit/ACH credit/payment transaction, at least 10 debit card purchases, and enrolled in eStatements.	0.10%	$10	Qualifications met in linked Kasasa Cash or Kasasa Cash Back account during Monthly Qualification Cycle: at least 1 direct deposit/ACH credit/payment transaction, at least 10 debit card purchases, and enrolled in eStatements.
Any balanceBase rate when Kasasa Cash or Kasasa Cash Back qualifications are not met during Monthly Qualification Cycle.	0.05%	$5	Base rate when Kasasa Cash or Kasasa Cash Back qualifications are not met during Monthly Qualification Cycle.
$15,000 and upQualifications met in linked Kasasa Cash or Kasasa Cash Back account during Monthly Qualification Cycle: at least 1 direct deposit/ACH credit/payment transaction, at least 10 debit card purchases, and enrolled in eStatements.	0.10%	—	Qualifications met in linked Kasasa Cash or Kasasa Cash Back account during Monthly Qualification Cycle: at least 1 direct deposit/ACH credit/payment transaction, at least 10 debit card purchases, and enrolled in eStatements.

Sources (2)

All captured Oct 6, 2026

Statement Savings

0.10%APY$50 to open

Limited to 6 preauthorized withdrawals per month; unlimited in-person withdrawals. Interest earnings paid quarterly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$50 and upEarn interest on balances of $50 or more.$50 and up	0.10%	$10	Earn interest on balances of $50 or more.

Sources (3)

All captured Oct 6, 2026

Special-purpose accounts

Christmas Club Accounts

0.10%APYClub$1 to open

Save throughout the year; funds disbursed in October by mail or by direct deposit to an MCS Bank account. Penalty for early withdrawal.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$1 and upEarns interest on balances of $1 or more.$1 and up	0.10%	$10	Earns interest on balances of $1 or more.

Sources (3)

All captured Oct 6, 2026

Individual Retirement Accounts (IRAs) - Savings

0.10%APYIRA

Save for retirement with tax advantages. Interest compounded and credited quarterly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $500Balances up to $500.	0.10%	—	Balances up to $500.
$500 and upBalances of $500+.	0.10%	$10	Balances of $500+.

Sources (3)

All captured Oct 6, 2026

My First Savings

0.10%APYKids and teens$25 to open

Student/youth savings account for kids and teens. Limited to 6 preauthorized withdrawals per month; unlimited in-person withdrawals. Interest earnings paid quarterly. Account can be used for overdraft coverage.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$50 and upEarns interest on balances of $50 or more.$50 and up	0.10%	$10	Earns interest on balances of $50 or more.

Sources (3)

All captured Oct 6, 2026

Vacation Club Accounts

0.10%APYClub$1 to open

Save throughout the year; funds disbursed in month of your choosing. Penalty for early withdrawal.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$1 and upEarns interest on balances of $1 or more.$1 and up	0.10%	$10	Earns interest on balances of $1 or more.

Sources (3)

All captured Oct 6, 2026

Young Saver

0.10%APYKids and teens$1 to open

Available to young savers age 18 and under. 1 free withdrawal per quarter; $10 per withdrawal thereafter. Open with $5 and MCS Bank matches $5. Interest earnings paid quarterly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$1 and upEarns interest on balances of $1 or more.$1 and up	0.10%	$10	Earns interest on balances of $1 or more.

Sources (3)

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.

Visit institution website ↗Branches and institution details

← MCS Bank overview

How MCS Bank’s savings rates compare

MCS Bank savings score

Current savings rates

Indexed Money Market Account

Smart Saver

Kasasa Saver

Statement Savings

Special-purpose accounts

Christmas Club Accounts

Individual Retirement Accounts (IRAs) - Savings

My First Savings

Vacation Club Accounts

Young Saver

Opening an account