MUNCY COLUMBIA FINANCIAL Corp

In accordance with rules adopted by the Securities and Exchange Commission (“SEC”), on or about March 13, 2026, we will mail to our shareholders a Notice of Internet Availability of Proxy Materials containing instructions on how to access the Notice of Annual Meeting of Shareholders, this proxy statement, the accompanying proxy card, 2025 Annual Highlights and our 2025 Annual Report on Form 10-K on the internet, instead of mailing printed copies. Most shareholders will not receive printed copies of the proxy materials unless they request them.

As permitted by applicable law, only one (1) copy of the Notice of Internet Availability of Proxy Materials is being delivered to Company shareholders residing at the same address, unless the Company has received contrary instructions from such shareholders. If you received more than one Notice of Internet Availability of Proxy Materials, it means your shares are registered differently and are held in more than one account. To ensure that all of your shares are voted, please either vote each account over the internet or by telephone, or sign and return by mail all proxy cards or voting instruction forms requested in paper format.

If you would like to receive a paper copy or email copy of our proxy materials you should follow the instructions in the Notice of Internet Availability of Proxy Materials, or call 866-641-4276 by telephone; email investorvote@computershare.com with “Proxy Materials Muncy Columbia Financial Corporation” in the subject line; or log on to the www.investorvote.com/CCFN website. Please make your request for a paper copy of the proxy materials on or before April 9, 2026 to facilitate timely delivery. There is no charge for you requesting a paper copy.