MCS Bank Consumer Loans

Mortgage Loans

Whether you are interested in constructing a new home or buying an existing one, we will be happy to talk to you about the financing, and we will do everything we can to help you become a happy homeowner. We can provide financing with little or no money down. MCS Bank has an excellent relationship with our local realtors.

• Free Pre-approval
• Quick Service
• No Origination Fee

We offer a very attractive "First Time Home Buyers" program with interest rates reduced by .25%, and reduced fees such as a free appraisal up to $200.00.

Home Equity Loans

If you're already a homeowner, and have been making monthly mortgage payments for several years, you probably have established substantial "equity" in your home. If you wish, you can use the established equity by converting it into cash to use for any purpose. This may be the financing of a college education or an investment in a business. It can also provide money for repairs, remodeling, or other improvements that will add to the value and beauty of your home. The interest that is paid on these loans may be tax deductible (consult with your tax advisor).

Lines-of-Credit

Either secured or unsecured, a line-of-credit gives you the convenience of writing your own loan when you need it. This money can be used for anything including "Overdraft Protection" for your checking account.

Vehicle Loans

Whether it is a car, truck, boat, motorcycle or RV, our loans can put you behind the wheel of your dream. If you have already selected a model or if there are still decisions to be made, we offer you fast, convenient, and quality service with terms up to 6 years.

Loan on Savings

These loans are secured by the funds that you have deposited with MCS Bank in the form of a Certificate of Deposit (CD) or Savings Account. This type of loan is very quick, low rate, and there are no fees. You may borrow up to 90% of the available balance in your collateral account. With this loan, you will continue to earn interest on that CD or Savings Account.

Mobile Home Loans

More and more people are choosing manufactured homes (mobile homes) as their housing choice to realize their home ownership dreams. For those that choose this option, we have structured a loan product to meet your need. Please call one of our friendly loan officers to discuss the term and rate options that we offer.

Personal Loans

These loans can be secured or unsecured, depending on the amount requested by the borrower. This money can be used for anything such as those occasional expenses or other opportunities when you choose not to pay with cash on hand. We offer short term fixed rate loans for these purposes.

For more information or to set up an appointment, contact any branch office or our loan center.