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Today more than ever before, Credit Scoring is an often-used element for consumers, from Car Insurance to Loans; a good credit score is important.


Our Building Credit options will be reported to all three major credit agencies and this will help you begin to build or rebuild credit.


As a young person, the sooner you begin building credit history, the better off you will be. If you are eager to start building a positive credit history, we have a few options to consider.


Bad things happen to good people and that means your credit score might need a little help. We offer both Loans on Savings and a Secured Credit Card to help you get back on the road to financial success.


Credit Information: Managing and protecting your credit is a long-term process. To learn more about credit issues, including credit scoring, and protecting your personal information, visit

Key Features

Competitive Rates

Local Processing

Quick Decisions

Build or Rebuild Your Credit

At MCS Bank, we will guide you through the steps to get established with all major credit agencies and build some credit. Then, through responsible on-time payments, you will be building credit.

Payment Example

$1,000 for 12 months at 3.420% APR = $84.89/Month*

Loan Details

  • Loan Proceeds fund a certificate of deposit that is held as collateral for the loan.
  • Terms available: 12 or 24 mos.
  • Loan interest rate is the current certificate of deposit rate plus 3.00% and is fixed for the term of the certificate.
  • CD/Loan Size from $1,000+
  • Current CD Rates are available on our Rates page
  • Loan information including payment history is reported to Credit Bureaus.
  • When the loan is paid in full you can transfer the money to your checking account or reinvest in a certificate of deposit.

*fixed rate loan with a 12 month term, certificate of deposit rate is 0.42%.  Rate accurate as of 4/20/2023.  All loans subject to MCS Bank underwriting standards.

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 100% of the available balance in your collateral account. With this loan, you will continue to earn interest on that CD or Savings Account.

Please contact one of our loan officers for additional details and programs.

At MCS Bank, we provide the ability to build credit through the use of a Credit Card or a Secured Credit Card.

  • With our Visa Platinum credit card you get hometown convenience, worldwide acceptance, great benefits and much more.
  • Apply Today:

Credit Cards & Secured Credit Cards


All Loans subject to MCS Bank Underwriting Standards.
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