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.
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 mtb.com only.
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).
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: