Latest M&T Bank Interest Rates - September 2026

M&T Bank Interest Rates & Loan Products Overview

Quick Summary: Key benchmark lending rates, retail deposit yields, and consumer financing solutions published by M&T Bank (MTB):

Featured Rates & Products:

• Deposit Accounts & CDs: Baseline Starter Savings and standard short-term CDs yield 0.01% APY, while the featured promotional 18-Month M&T Select Certificate of Deposit (CD) offers 3.85% APY with an eligible qualifying checking account.
• Mortgage Loans: 30-Year Fixed purchase home loan interest rates start around 7.000% (7.206% APR), offering low down payment programs with financing up to 97% LTV and no prepayment penalties.
• Personal Loans: Unsecured and cash-secured personal installment loans are offered up to $50,000, with qualifying rates starting from 7.24% to 9.49% APR depending on collateral and credit tier.
• Auto Financing: M&T Bank offers vehicle purchase and refinance loans through branches, the online portal, and affiliated dealerships, featuring up to a 1.50% relationship AutoPay discount for eligible account holders.
• Credit Cards: The M&T Visa® Credit Card features a 0% introductory purchase and balance transfer APR for 12 billing cycles, followed by an ongoing variable purchase APR starting from 13.74% to 20.74%.
• Benchmark Index: The reference M&T Bank Prime Lending Rate is 6.75%.

💡 Financial Tip: Relationship checking account holders at M&T Bank can access premium CD yields (such as the 18-month Select CD) and earn significant relationship rate reductions across vehicle and personal financing.