At Mifflinburg Bank & Trust we offer short and long term loan products and services. We have personalized service, flexible terms and competitive rates. Loans are approved quickly right here within our community. A Loan Officer will work closely with you, carefully listening and understanding your unique needs and recommend products and services that best suit your financial objectives. Mifflinburg Bank & Trust is your bank for superior customer service.



Personal Line of Credit

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Our unsecured line of credit provides the flexibility of accessing funds when needed and repayment of funds when convenient. Funds may be used to purchase home appliances, make home improvements, plan a vacation, consolidate credit card debt, establish credit, or just about anything within the approved amount of the loan. The LOC may also be used as overdraft protection in conjunction with an MBTC checking account. Call 570-966-1041 or 888-966-6282 (toll free) for current interest rates.

  • Interest only payments
  • Up to five year term
  • Adjustable rate tied to Wall Street Journal prime rate
  • Detailed monthly statement
  • Funds can be transferred by Internet, telephone, or check
*One-Time Low processing fee

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Loans for any Purpose

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Our unsecured installment loan has a fixed payment amount and loan term. Funds may be used to purchase home appliances, make home improvements, plan a vacation, consolidate credit card debt, establish credit, or just about anything within the approved amount of the loan. Call 570-966-1041 or 888-966-6282 (toll free) for current interest rates.

  • Payment flexibility, terms ranging from 1 to 7 years
  • Disbursement by check or deposit to your account
  • Coupon book or direct charge of payments is available from a MBTC checking or savings account
*One-Time Low processing fee

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Home Equity Line of Credit

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Our HELOC is secured by a mortgage on your owner-occupied personal residence. The LOC provides the flexibility of accessing funds when needed and repayment of funds when convenient. Interest paid by the borrower may be tax deductible. Funds may be used to consolidate credit card debt, home improvements, vacations, college expenses, or just about anything within the approved amount of the loan.

  • Loan is for 15 years, with a 10 year draw and a 5 year repayment period 
  • Customer can access the LOC by check, telephone, online, or visiting a branch office 
  • One low underwriting fee upon approval
  • Loan amounts up to 80% of the appraised value of your home less any additional mortgages 
  • No prepayment penalty
  • Adjustable rate tied to Wall Street Journal prime rate
  • All loans will have a 6 month introductory fixed rate period; the rate will then adjust with the prime rate.
  • Interest paid may be tax deductible (Consult your tax advisor)

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Home Equity Fixed Rate Loan

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Our Home Equity Fixed Rate Loan is secured by a mortgage on your owner-occupied personal residence. The loan has a fixed interest rate, term and payment for the life of the loan. Interest paid by the borrower may be tax deductible. Funds may be used to consolidate credit card debt, home improvements, vacations, college expenses, or just about anything within the approved amount of the loan.

  • Loan terms from 3 to 15 years (tailored to meet your individual goal or budget) 
  • Loan amount up to 90% of the appraised value of your home 
  • One low underwriting fee upon approval
  • Monthly direct charge of payments is available from a MBTC checking or savings account
  • No prepayment penalty
  • Interest paid may be tax deductible (Consult your tax advisor)

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Auto Loan

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Our auto loan is an installment loan secured by the auto title. No down payment is required on a new vehicle. Payments are tailored to meet your budget. Call 570-966-1041 or 888-966-6282 (toll free) for current interest rates.

  • Loan terms for up to 6 years depending on the age of the vehicle 
  • 100%* financing on new vehicles 
  • Rates are lower than unsecured installment loans 
  • Direct charge of payments is available from a MBTC checking or saving account 
  • NADA Book Value
  • Kelley Blue Book

*Terms and Conditions are subject to overall credit qualifications
*One-Time Low processing fee

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Building a Home

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Competitive rates and convenience are priorities at MBTC. Your Loan Officer will help you choose a mortgage loan with flexible terms that are tailored to fit your personal monthly budget.

  • Multiple adjustable rates mortgage loan types available
  • Interest Only Payments during Construction Phase
  • Upon receipt of the occupancy certificate the loan converts to principal and interest
  • Billed monthly on outstanding balance only
  • One closing
  • MBTC will advance authorized funds to the customer & contractor


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Buying or Refinancing a Home


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Our adjustable rate mortgage is available with a 10-30 year term for the purpose of purchasing a residence, town house or condominium. The adjustable rate mortgage provides a lower initial interest rate making home ownership more affordable.

3 year ARM - 3 year fixed rate with rate adjustment every 3 years thereafter

5 year ARM - 5 year fixed rate with rate adjustment every 5 years thereafter

7 year ARM - 7 year fixed rate with annual rate adjustment thereafter

10 year ARM - 10 year fixed rate with annual rate adjustment thereafter

  • 2% ceiling maximum per year on rate adjustment
  • 6% maximum rate adjustment per life of loan
  • Bank lends up to 95% of the appraised value of your home
  • PMI (private mortgage insurance) is required over 80% of the appraised value of your home
  • Direct char ge of payments is available from a MBTC checking or savings account
  • Underwriting fee upon approval

10 Year Fixed Rate Mortgage Special. Call 888-966-6282 for Current Interest Rate.


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1st Time Home Buyer Incentives

Looking to buy your first home? Mifflinburg Bank & Trust has 1st time home buyer options available for ease the process. Contact a local representative for assistance on choosing a plan that is right for you. 

HomeReady Mortgage

  • Fixed 30 Year Rates and Term
  • Low down payment. Up to 97% financing for home purchase.
  • Lower Mortgage Insurance coverage requirement than a standard mortgage.
  • Flexible sources of funds can be used for the down payment and closing costs with no minimum contribution required from the borrowers own funds.
  • Home ownership education helps buyers get ready to buy a home and be prepared for the responsibilities of home ownership this required training offers an easy-to-use, online course proved by Framework.

Single Family Housing Guaranteed Loan Program

  • Up to 100% of appraised value, requires annual guarantee fee
  • Fixed 30 Year Rates and Term
  • First Time Home Buyer Training not Required
  • No Private Mortgage Insurance required

Thinking of moving to Union County?  Contact a local representative about the 
Union County Affordable Housing Fund for another 1st time home buyer option.

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Current* MPF® Program and Fannie Mae® 

Secondary Mortgage Loan Programs offered by Mifflinburg Bank & Trust with very competitive fixed interest rates. While you get the benefit of low rates offered by large national lending institutions, your loan is serviced locally by Mifflinburg Bank & Trust.


  • Fixed rate loan up to 30 years
  • Available with or without points
  • Bank lends up to 97% of the appraised value of your home
  • Loans are serviced locally by MBTC
  • 1-4 family owner occupied homes
  • Loan rates can be fixed at application for up to 60 days
  • Direct charge of payments is available from a MBTC checking or savings account
  • Underwriting fee upon approval


*MPF is a registered trademark of the Federal Home Loan Bank of Chicago. The program is offered by MBTC in association with the Federal Home Loan Bank of Pittsburgh. The Fannie Mae mortgage program is offered by MBTC in association with Fannie Mae, a federally chartered shareholder-owned company.

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Home Equity Loans for Higher Education

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Higher education becomes more costly each year. Sometimes scholarships, grants and federal loans are not enough to pay for college. A Home Equity Loan may fill the gap between your student's financial aid package and the actual cost of a college education. Call a Loan Officer at an office near you to find how Mifflinburg Bank & Trust can assist you with college expenses.

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Vacation Loans

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Take time to enjoy life by taking the special vacation that you and your loved ones deserve. We'll customize a loan that fits your individual needs and budget. We can save you money since the interest rate you'll pay is lower than most credit cards. You may qualify for a lower rate if you secure the loan with MBTC deposits or a certificate of deposit. Home Equity loans may have lower interest rates and may be tax deductible. Your interest rate will be based on your credit history and current credit report. Our Loan Officers will assist you when choosing a loan program that fits your individual credit needs. At Mifflinburg Bank & Trust you will receive competitive rates, fast approval and prompt professional attention. Call 570-966-1041 or 888-966-6282 (toll free) for current interest rates.

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For complete details Contact Us Now at any of our office locations , or call toll free 1-888-966-MBTC (6282).