Savings - MC Bank and Trust Company

Personal Savings & CDs

Meet your goals with the help of an M C Bank Saving Option.

Whether your goals are long-term, short-term, or for something very specific, M C Bank will get you there.

Savings Account

Set aside money for a rainy day or save up for a specific need. Of all the things you save over the years, your money never goes out of style.

You can count on competitive interest earnings to season your savings plus convenient access to your funds in case you're ever in a pinch.


  • Competitive interest earnings on all balances over $10
  • Set aside money to meet short- or long-term goals
  • Immediate access to your funds: 6 withdrawals per calendar quarter; $2 per withdrawal after
  • Free online banking1
  • Free eStatements
  • View All Fees & Rates
  • $100 minimum deposit to open

Money Market Account

Earn a solid rate of return on your larger balance but don't sacrifice access to it. A money market helps you make more of your funds—without locking them into a CD or long-term investment.

On top of interest that increases as your balance meets higher tier levels, you can even waive the monthly fee simply by maintaining a $2,500 balance.


  • Interest earnings and convenient accessibility in one account
  • $1,000 minimum daily balance to earn interest
  • Capitalize on higher rates for larger balances
  • Avoid the $8 monthly maintenance fee by maintaining a $2,500 balance
  • Set aside funds to meet serious savings goals
  • Immediate access to your funds: 6 withdrawals per statement cycle; $2 per withdrawal after
  • Free online banking1
  • Free eStatements
  • View All Fees & Rates
  • $1,000 minimum deposit to open

Christmas Club

Ribbons and bows, sweets and treats, next Christmas will be here before you know it, so why not start saving for it little by little throughout the year, and join our Christmas Club. Make deposits to your Christmas Club account in any amount you're comfortable with.

You even select how often, and then the funds are automatically transferred from your checking for easy savings. And with competitive earnings, you can ensure a true Cajun Christmas—filled with food, family, and friends. Plus, a way to fund it all.


  • Earn interest just like a regular savings account
  • Save little by little throughout the year for stress-free Christmas
  • Automatic transfers from checking for easy way to save
  • Amount and frequency of transfers are decided by you
  • Funds disbursed annually in October
  • Penalty may occur for early withdrawals
  • Free online banking1
  • Free eStatements
  • View All Fees & Rates
  • $2 minimum deposit to open

Certificates of Deposit

Get the guaranteed savings you seek through a fixed-rate CD—while the nice interest rate will provide the return you desire. Simply pick the term, and then set aside the right amount to reach your goals.

In principle, saving money is easy; set aside money, and don't touch it. Since saving money isn't always that simple, a fixed rate CD can keep you on track.


  • Higher interest earnings than regular savings
  • Fixed rates; know exactly how much you're saving at all times
  • A range of terms to meet your savings goals
  • Penalty may occur for early withdrawal
  • $1,000 minimum deposit to open

View our current rates

Individual Retirement Accounts

By setting aside money in an IRA today, you're building the foundation for a bright retirement. Here at M C Bank, you can choose the plan that's most suitable for your needs. Then you'll sit back, relax, and benefit from the associated tax advantages.

Spend more time enjoying your retirement and less time worrying about finances—simply by planning today.


  • Tax-advantaged retirement savings*
  • Competitive interest above standard savings rates
  • Traditional and Roth IRA options
  • No setup fees
  • No monthly or annual maintenance fees
  • $6,500 contribution limit per year
  • Additional $1,000 "catch-up" contribution allowed for ages 50+
  • Funds can be used to purchase CDs within IRA
  • $100 minimum deposit to open the 18-month variable
  • $1,000 minimum deposit to open the 12- and 30-month fixed

*Consult a tax advisor.

Traditional vs. Roth

There are advantages to both traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A traditional IRA provides potential tax relief today while a Roth IRA has the potential for the most tax benefit at time of retirement.

Traditional IRA

  • No income limits to open
  • No minimum contribution requirement
  • Contributions are tax deductible on state and federal income tax*
  • Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
  • Withdrawals can begin at age 59½
  • Early withdrawals subject to penalty**
  • Mandatory withdrawals at age 73

Roth IRA

  • Income limits to be eligible to open Roth IRA***
  • Contributions are NOT tax deductible
  • Earnings may be tax free at withdrawal. Some restrictions may apply*
  • Principal contributions can be withdrawn without penalty*
  • Withdrawals on interest can begin at age 59½
  • Early withdrawals on interest subject to penalty**
  • No mandatory distribution age
  • No age limit on making contributions as long as you have earned income

*Subject to some minimal conditions. Consult a tax advisor.
**Certain exceptions apply, such as healthcare, purchasing first home, etc.
***Consult a tax advisor.

1Online and mobile banking are subject to additional terms and conditions and/or fees including internet provider and data charges.


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Routing Number: 065400483

Contact our Main Office at 985-384-2100