Banking Products
Deposits & Loans
Solar Energy Loan
Power your future with affordable financing for solar energy systems and renewable energy solutions.
- For purchase and/or installation of solar panels, installation of solar-powered irrigation, and purchase of solar batteries and inverters.
- Loan up to ₱3 million at 100% project cost financing
- Payable for up to five (5) years
Small and Medium-sized Enterprises Loan
Fuel your business growth with flexible financing for working capital, expansion, equipment, and commercial projects.
- For working capital in business, additional facilities and equipment, commercial building construction, additional stocks and inventories, and other business-related purposes.
- Loanable amount is based on Bank’s Single Borrower Limit: Micro (up to ₱3 million); Small (₱3-15 million); and Medium (₱15-100 million)
- Payable of up to fifteen (15) years
Agricultural Loan
Cultivate success with financing designed for farmers, agribusinesses, farm improvements, and agricultural production.
- For agricultural-related business and crop production, acquisition of equipment and machineries, additional capital for agri-industrial, and farm improvements.
- Loanable amount is based on cash flows, crop cost, and Bank’s Single Borrower Limit.
- Payable for up to fifteen (15) years or based on crop maturity.
Home Loan
Turn your dream home into reality with financing for home acquisition, construction, renovation, or refinancing.
- For house and/or lot acquisition, house construction, house renovation, and home loan refinancing or take-out from other banks
- Loan up to ₱5 million
- Payable for up to fifteen (15) years for house and/or lot acquisition, construction, and refinancing; and up to ten (10) years for house renovation.
Jewelry Loan
Get immediate cash using your jewelry as collateral with fast processing and no service charges.
- Loan up to ₱300,000.00 or 90% of appraised amount
- Payable at maturity or lump sum
- No service charge
- We also offer buy-out: 100% Pawn Ticket (depending on price of gold)
Auto Loan
Drive home your brand-new vehicle with convenient financing for conventional, hybrid, and electric cars.
- For purchase of brand-new conventional and hybrid/electric vehicles for personal use
- Loan up to ₱2 million or 80% of purchase price
- Payable for up to five (5) years for conventional vehicles and three (3) years for hybrid/electric vehicles
Truck Loan
Expand your business operations with financing for brand-new trucks and commercial vehicles.
- For purchase of brand-new trucks or other commercial vehicles for business use
- Loan up to ₱3.5 million or 80% of purchase price
- Payable for up to five (5) years
Motorcycle Loan
Own a brand-new motorcycle with affordable financing and direct dealer payment for added convenience.
- For purchase of brand-new motorcycle
- Loan up to ₱150,000.00
- Payable for up to three (3) years
- Loan proceeds are disbursed directly to the dealer/supplier
- Preferred brands: Yamaha, Honda, Kawasaki, and Suzuki
Salary Loan
Address your immediate financial needs with quick and accessible financing for life's essential expenses.
- For any providential needs such as education, hospitalization, purchase of appliances, etc.
- Loan up to ₱300,000.00
- Payable for up to three (3) years
Personal Loan
Enjoy flexible financing for personal goals, major expenses, and unexpected financial needs.
- For any providential needs such as education, hospitalization, purchase of appliances, etc.
- Loan up to ₱3 million
- Payable for up to five (5) years
Loan Against Hold-Out on Deposit (LAD)
Unlock the value of your time deposit without breaking your savings through convenient collateralized financing.
- For working capital, livelihood projects, and other providential needs
- Loan up to 90% of the face value of Certificate of Time Deposit (CTD)
- Payable for up to one (1) year
- Interest rate shall mirror the CTD
Pension Loan
Access additional funds to support your livelihood projects and everyday financial needs.
- For livelihood projects and other providential needs
- Loan up to ₱150,000.00
- Payable for up to eighteen (18) months
OFW’s and Seaman’s Loan
Empower your plans and investments with financing tailored for overseas Filipino workers and seafarers.
- For working capital, livelihood projects, and other providential needs
- Loan up to ₱1 million
- Payable for up to five (5) years
Travel Loan
Strengthen your visa application with financial support designed for travel and migration requirements.
- For Visa application
- Loan up to ₱2 million
- Payable for up to one (1) year
Basic Deposit Account (BDA)
Open a MCCB BDA with minimal documentation required. This feature makes it accessible for people who may not meet the requirements for traditional accounts.
- Initial Deposit: ₱100.00
- Maintaining Balance: ₱0.00
- Maximum Balance: Not more than ₱50,000.00
- Interest Rate: Earn 0.25% per annum
Savings Account
MCCB Savings Account gives you as low as ₱100 initial deposit and earns an interest rate 0.25% p.a.
- Initial Deposit: ₱100.00
- Maintaining Balance: ₱50.00
- Interest Rate: Earn 0.25% per annum
- Interest Earns Start At: ₱500.00
Current/Checking Account
MCCB Current/Checking Account lets you open an initial amount of ₱5,000 for individual account and ₱10,000 for corporate account and earns an interest rate 0.10% p.a.
- Personal Initial Deposit: ₱5,000.00
- Personal Maintaining Balance: ₱3,000.00
- Corporate Initial Deposit: ₱10,000.00
- Corporate Maintaining Balance: ₱5,000.00
- Interest Earns Start At: ₱500.00
ATM Account
ATM cards can be claimed within 3 days or as soon as verification is performed and completed after account opening.
- Initial Deposit: ₱100.00
- Maintaining Balance: ₱100.00
- Interest Rate: Earn 0.25% per annum
- Interest Earns Start At: ₱2,000.00
Time Deposit
MCCB Time Deposit is an investment that provides a higher interest rate at a specified future date.
- Initial Deposit: ₱10,000.00
- Up to 6.00% p.a. interest rate for Member-Cooperatives
- Up to 5.50% p.a. interest rate for Individuals
Payroll Servicing Facility
MCCB is a payroll servicing facility which provides services such as distribution of the payroll and other payroll-related services of the partnering agency via MCCB ATM Card Facility.
- Automated Payroll Processing
- Instant Fund Access - Mobile App and ATMs
- Comprehensive Reporting
- Seamless Transitions
