Mauch Chunk Trust Company savings, CD and money market rates
Mauch Chunk Trust Company's Power Savings advertises 0.05% to 1.51% APY on balances under $500,000, and 2.02% from $500,000. On a $10,000 balance the account earns 0.75% overall, about $75 in a year, which is 0.37 percentage points above the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #521 of 3150 tracked savings rates by advertised APY. For a $10,000 balance it would rank #747.
Estimate your earnings·What Mauch Chunk Trust Company actually pays
Mauch Chunk Trust Company at a glance
| Savings | |
|---|---|
| Top savings APY | Up to 2.02% · Power Savings · needs at least $500,000 |
| Minimum to open | not stated · Power Savings |
| Against the national average | 1.64 percentage points above the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 3.50% · 8 months · 8 Month CD or IRA-CD (New Money) |
| Minimum to open | $10,000 · 8 months CD |
| Money market | |
| Top money market APY | 2.50% · Investor's Money Market CD |
| Minimum to open | $50,000 · Investor's Money Market CD |
| Against the national average | 1.87 percentage points above the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 2359 · Jim Thorpe, PA |
|---|---|
| Website | www.mct.bank |
| Branches | 8 branches in PA |
| Availability | Available in PA |
Mauch Chunk Trust Company savings, CD and money market rates
Personal
How the rate applies
How the rate applies
IRA
Business
How the rate applies
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.66%, and one account in ten advertises 4.20% or more. See the highest savings rates.
Mauch Chunk Trust Company CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3 months | 2.83% | $500 | 3 Month CD |
| 6 months | 2.80% | $500 | 6 Month CD |
| 8 months | 3.50% | $10,000 | 8 Month CD or IRA-CD (New Money) |
| 8 months | 3.25% | $10,000 | 8 Month CD or IRA-CD |
| 9 months | 2.80% | $10,000 | 9 Month CD |
| 12 months | 2.77% | $500 | 1 Year CD |
| 13 months | 3.50% | $10,000 | 13 Month CD or IRA-CD (New Money) |
| 13 months | 3.25% | $10,000 | 13 Month CD or IRA-CD |
| 22 months | 3.50% | $10,000 | 22 Month CD or IRA-CD |
| 24 months | 2.79% | $500 | 2 Year CD |
| 36 months | 2.78% | $500 | 3 Year CD |
| 42 months | 2.78% | $500 | 3 1/2 Year Step-Up CD |
| 42 months | 2.78% | $100 | 3 1/2 Year Step-Up IRA-CD |
| 48 months | 2.78% | $500 | 4 Year CD |
| 60 months | 2.81% | $500 | 5 Year CD |
| IRA CDs | |||
| 6 months | 2.80% | $100 | 6 Month IRA-CD |
| 12 months | 2.77% | $100 | 1 Year IRA-CD |
| 24 months | 2.79% | $100 | 2 Year IRA-CD |
| 36 months | 2.78% | $100 | 3 Year IRA-CD |
| 48 months | 2.78% | $100 | 4 Year IRA-CD |
| 60 months | 2.81% | $100 | 5 Year IRA-CD |
Interactive Tool
Calculate Savings for Mauch Chunk Trust Company
All calculations are based on APY.
Tiered rates: 0.05% to 2.02% APY across 4 balance tiers.
Savings Breakdown
- Interest Earned+$249.40(1.8%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,249.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Mauch Chunk Trust Company pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined. The 2.02% needs a balance of at least $500,000. Below that, the account advertises 0.05%.
In Q2 2026, Mauch Chunk Trust Company paid a higher average rate on savings and money market deposits than 21% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Mauch Chunk Trust Company, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Power Savings | Up to 2.02% | not stated | $0 | None | not stated | not stated | Tiered | |
| Statement Savings | 0.05% | $1 | $0 | None | not stated | not stated | One rate | |
| Fine print: A monthly fee is avoided by keeping a minimum balance across any combination of the bank's checking, savings, money market and certificate accounts. | ||||||||
| Investor's Money Market CD | 2.50% | $50,000 | $0 | None | not stated | not stated | One rate | |
| Fine print: Deposits can be added at any time. Funds are available every three months, and a penalty may be imposed for a withdrawal before then. | ||||||||
| Investor's Money Market Account | Up to 1.00% | $5,000 | $0 | None | not stated | not stated | Tiered | |
| Fine print: Each check must be for at least $500.00. A minimum balance avoids the monthly fee. Customers with a Select Checking or Select Business Checking account earn a bonus rate. | ||||||||
| Business | ||||||||
| Business Money Market Savings | Up to 1.00% | $5,000 | $0 | None | not stated | not stated | Tiered | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 3 Month CD | 3 months | 2.83% | $500 | not stated | not stated |
| 6 Month CD | 6 months | 2.80% | $500 | not stated | not stated |
| 8 Month CD or IRA-CD (New Money) | 8 months | 3.50% | $10,000 | not stated | not stated |
| 8 Month CD or IRA-CD | 8 months | 3.25% | $10,000 | not stated | not stated |
| 9 Month CD | 9 months | 2.80% | $10,000 | not stated | not stated |
| 1 Year CD | 12 months | 2.77% | $500 | not stated | not stated |
| 13 Month CD or IRA-CD (New Money) | 13 months | 3.50% | $10,000 | not stated | not stated |
| 13 Month CD or IRA-CD | 13 months | 3.25% | $10,000 | not stated | not stated |
| 22 Month CD or IRA-CD | 22 months | 3.50% | $10,000 | not stated | not stated |
| 2 Year CD | 24 months | 2.79% | $500 | not stated | not stated |
| 3 Year CD | 36 months | 2.78% | $500 | not stated | not stated |
| 3 1/2 Year Step-Up CD | 42 months | 2.78% | $500 | not stated | not stated |
| 3 1/2 Year Step-Up IRA-CD | 42 months | 2.78% | $100 | not stated | not stated |
| 4 Year CD | 48 months | 2.78% | $500 | not stated | not stated |
| 5 Year CD | 60 months | 2.81% | $500 | not stated | not stated |
| IRA CDs | |||||
| 6 Month IRA-CD | 6 months | 2.80% | $100 | not stated | not stated |
| 1 Year IRA-CD | 12 months | 2.77% | $100 | not stated | not stated |
| 2 Year IRA-CD | 24 months | 2.79% | $100 | not stated | not stated |
| 3 Year IRA-CD | 36 months | 2.78% | $100 | not stated | not stated |
| 4 Year IRA-CD | 48 months | 2.78% | $100 | not stated | not stated |
| 5 Year IRA-CD | 60 months | 2.81% | $100 | not stated | not stated |
Fine print for 2 CDs above: The deposit must be new money, which the bank defines as funds not currently on deposit at the bank.
Opening and using the account
| Availability | Available in PA |
|---|---|
| Footprint | 8 branches in PA |
| Eligibility | not stated |
How Mauch Chunk Trust Company behaves over time
Every observation of the advertised Power Savings rate in the last 12 months was 2.02% (observed through Nov 2, 2026). The series includes promotional tiers where one applied.
- 8 months CD
- The same as 30 days ago.
- Investor's Money Market CD
- The same as 30 days ago.
- Rate last changed
- Aug 27, 2026(effective date)
$10,000 in Mauch Chunk Trust Company's Power Savings earns 0.75% overall at the advertised rates, so it grows to $10,075 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,712 does today. See how the federal funds rate shapes savings rates.
Mauch Chunk Trust Company CD rates over time
Who is Mauch Chunk Trust Company?
| Headquarters | Jim Thorpe, PA |
|---|---|
| Founded | 1902 |
| Scale | $643M assets · $608M deposits, $524M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 2359 |
| Charter state | Pennsylvania · one of 110 insured banks chartered there (Q2 2026, FDIC) |
| Size | 1,341st-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 6% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Mauch Chunk Trust Company pays on deposits above.
Common questions about Mauch Chunk Trust Company
Does the 2.02% apply to my whole balance?
The 2.02% needs a balance of at least $500,000. Below that, the account advertises 0.05%. Rates are as observed on Nov 2, 2026.
Is Mauch Chunk Trust Company FDIC insured?
Yes. Mauch Chunk Trust Company is FDIC insured under certificate 2359, so deposits are covered up to $250,000 per depositor, per ownership category.
Does Mauch Chunk Trust Company have branches?
Yes. Mauch Chunk Trust Company operates 8 branches according to FDIC branch records, in addition to its website and mobile apps.
Mauch Chunk Trust Company against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Mauch Chunk Trust Company | Up to2.02% | 0.69% | not stated | 8 branches in PA |
| Citizens Bank Minnesota | Up to2.02% | 1.04% | $5,000 | 6 branches in MN |
| Coleman County State Bank | Up to2.02% | 1.42% | $10,000 | 7 branches in TX |
| Elizabethton Federal Savings Bank | Up to2.02% | 0.13% | not stated | 5 branches in TN |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Mauch Chunk Trust Company's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Pennsylvania, nearest to Mauch Chunk Trust Company in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in Pennsylvania, money market rates in Pennsylvania, and banks in Pennsylvania.