Loan Rates


 Fixed Rate Mortgages
15 Year 6.875% 7.131%
20 Year 7.250% 7.459%
30 Year 7.250% 7.412%

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The interest rates, annual percentage rates (APRs), shown are subject to change without notice.
Your APR will vary based on your final loan amount and finance charges.  

Variable Rate Mortgages

3/3 Variable Rate

Call for current rates

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Home Equity Loans

Home Equity Installment Specials    
Term (1)RateAPR*

Up to 60 months



61 – 120 months


121 – 180 months 6.790% 6.853%
181 - 240 months 7.490% 7.543%

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* Annual Percentage Rate (APR) is current as of this posting, includes a $250.00 doc prep fee and assumes payment by auto-deduction from an MCSB deposit account.  Your APR may be higher based on your credit qualifications.  Offer requires a minimum of $25,000.00 in new borrowings and is subject to meeting certain underwriting criteria such as owner occupancy, loan to value ratio, lien position and credit history.  The maximum loan amount for this offer is $250,000.00.  Rate and terms may change at any time and without notice.  Other rates, terms, payments and loan amounts are available.  A $50,000.00 loan would require 60 monthly payments of $966.48 each at an APR of 6.142%.  Payment example does not include escrows for property related taxes and insurances that must be paid separately.  Property insurance is required.  Flood insurance may be required.  1 to 4 family owner occupied properties only.  Not available for homes currently listed for sale, home purchases or manufactured housing.  All accounts are subject to individual approval.  Consult a tax advisor regarding deductibility of interest and charges.           

(1) If you borrow $50,000 @ 5.990% for 60 months the monthly payment will be $966.48
    If you borrow $50,000 @ 6.490% for 120 months the monthly payment will be $567.64
    If you borrow $50,000 @ 6.790% for 180 months the monthly payment will be $443.73
    If you borrow $50,000 @ 7.490% for 240 months the monthly payment will be $402.68


Home Equity Line of Credit
First 3 months 0.99% 0.99%
After 3 months WSJ Prime Rate Floating Prime + 0%

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Annual Percentage Rate (APR) available up to 85% combined Loan to Value (LTV) with minimum new line of $25,000 or increase to an existing Mercer County State Bank line of $25,000. Introductory rate in effect for the first three months from note date. After the three months introductory period rate will vary as the Wall Street Journal Prime Rate (Prime) changes. Your APR may be higher and will be based upon your credit qualifications. As of 7/27/23 Prime was 8.50%.Will not exceed 18%. Maximum loan amount is $250,000. Other restrictions may apply. Annual renewal fee of $50.00 applies after the first year. Property insurance is required. Flood insurance may be required. Consult a tax advisor regarding deductibility of interest and charges. Offer may be changed or withdrawn at anytime without notice. Subject to credit approval. 1-2 unit owner occupied properties only. Not for purchase of homes. Not available for manufactured housing.

Contact any Community Office for current rates on all of our other loan products.