Residential Mortgage & Consumer Loan Perks

Are you a current M&T employee? Learn how you can benefit from special discounts and financing options on residential mortgage and consumer loan products.

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Put our financing solutions to work for you.

As an M&T Bank employee, you are eligible for discounts on various residential mortgage and consumer loan products.

​Residential Mortgage Discounts

Get a 0.50% interest rate discount on a new purchase mortgage and a 0.25% discount on refinances (including portfolio modifications) on a primary residence. These discounts remain in effect for the life of the loan and are not contingent on employment with M&T as long as mortgage payments continue to be automatically deducted from an M&T account.

​Overdraft Line of Credit Protection

Receive special consideration for an Overdraft Line of Credit, which is subject to credit approval.

​Best Rates on M&T Visa Credit Card

The M&T Visa® Credit Cards offer employees the best possible rate for each card type, as well as a discounted $1 overdraft transfer fee when you link your credit card to your M&T Employee Checking account for overdraft protection. 

​Installment Loan Discount

Receive a 0.50% MyChoice Premium℠ discount off of the approved standard rate for all fixed rate installment loans – except automobile loans – when payments are automatically deducted from an M&T account (based on credit profile).

​M&T CHOICEquity Discount

Receive a MyChoice Premium discount on newly originated M&T CHOICEquity Lines of Credit and on credit line increases to existing CHOICEquity accounts. The 0.40% discount applies to the variable portion of the CHOICEquity account.

​Auto Loan Discount

M&T employees receive an additional 1% discount off their approved risk-based priced MyChoice Premium rate. (ACH payments required.) Discount applies to direct loans made through M&T's retail branches, Telephone Banking Center and only.

Learn more.

For more information about M&T’s Employee Mortgage Program, our Overdraft Line of Credit, CHOICEquity Loans, Auto and Installment Loans and the M&T Visa Credit Cards, get in touch with us. We can answer any questions you may have and help you take advantage of your hard-earned perks.

​At a Branch

Stop by your nearest branch


Visit the intranet (Insider > M&T Employee Banking). 

By Phone

Call us for assistance.

To Apply for a New Loan:
Monday-Friday 8:30am-9:00pm ET and Saturday 10:00am-2:00pm ET

For Service on an Existing Loan:
Monday–Friday 8:30am–9:00pm

Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for details.
All lending products are subject to credit and property approval. 
M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans. 
Member FDIC, NMLS ID# 381076