Certificates of Deposit

Certificates Minimum To Open Interest Rate Annual Percentage Yield*
3 mo. $1,000 0.60% 0.60%
6 mo. $1,000 1.25% 1.26%
12 mo. $1,000 1.75% 1.76%
17 mo.[1] $1,000 2.25%[1] 2.27%[1]
18 mo. $1,000 2.10% 2.12%
24 mo. $1,000 2.20% 2.22%
36 mo. $1,000 2.30% 2.32%
48 mo. $1,000 2.40% 2.43%
60 mo. $1,000 2.50% 2.53%
6 mo. IRA $500 1.25% 1.26%
12 mo. IRA $500 1.75% 1.76%
17 mo. IRA[1] $500 2.25%[1] 2.27%[1]
18 mo. IRA $500 2.10% 2.12%
24 mo. IRA $500 2.20% 2.22%
36 mo. IRA $500 2.30% 2.32%
48 mo. IRA $500 2.40% 2.43%
60 mo. Roth IRA $500 2.50% 2.53%
Educational IRA $500 0.40% 0.40%
*APY = Annual Percentage Yield. Certificate account rates are subject to change weekly; but once a certificate is issued, the rate will remain in effect for the term of the certificate. Penalties may apply for early withdrawals. Minimum to earn APY is $10.

[1] To qualify for this rate, a minimum of 10% of the deposit must come from funds that are currently outside of Main Street Bank. Rates are effective June 19, 2019, and are subject to change without notice. Once a certificate is issued, the rate will remain in effect for the term of the certificate. Penalties may apply for early withdrawals. Offer may end at any time.

Consumer Accounts

Passbook & Holiday Savings Accounts

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$0.01 – $10,000 $10 0.10% 0.10%
$10,000.01 – $25,000 $10,000.01 0.10% 0.10%
$25,000.01 – $50,000 $25,000.01 0.10% 0.10%
$50,000.01 – $100,000 $50,000.01 0.10% 0.10%
$100,000.01 – $250,000 $100,000.01 0.10% 0.10%
Balances > $250,000 $250,000.01 0.10% 0.10%
*APY = Annual Percentage Yield. Minimum to open is $10.

Kasasa Cash Checking

Minimum to Earn APY* Interest Rate Annual Percentage Yield
.01 – $20,000 None 1.98% 2.00%
$20,000.01 and over $20,000.01 0.20% 0.50% – 2.00%
Non-Qualifying Accounts None 0.05% 0.05%
*APY = Annual Percentage Yield. Minimum to open is $10. Click here for details.

Interest & 18/65 Checking Accounts

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$0.01 – $10,000 $10 0.10% 0.10%
$10,000.01 – $25,000 $10,000.01 0.10% 0.10%
$25,000.01 – $50,000 $25,000.01 0.10% 0.10%
$50,000.01 – $100,000 $50,000.01 0.10% 0.10%
$100,000.01 – $250,000 $100,000.01 0.10% 0.10%
Balances > $250,000 $250,000.01 0.10% 0.10%
*APY = Annual Percentage Yield. Minimum to open is $10.

Kasasa Saver (must be linked to a Kasasa Checking Account)

Minimum to Earn APY* Interest Rate Annual Percentage Yield
.01 – $50,000 None 0.99% 1.00%
$50,000.01 and over $50,000.01 0.20% 0.47% – 1.00%
Non-Qualifying Accounts None 0.05% 0.05%
*APY = Annual Percentage Yield. Minimum to open is $10. Click here for details.

Advantage Savings, 18/65 Advantage Savings, Hybrid Savings & 18/65 Hybrid Savings Accounts

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$0.01 – $10,000 $10 0.10% 0.10%
$10,000.01 – $25,000 $10,000.01 0.15% 0.10% – 0.13%
$25,000.01 – $50,000 $25,000.01 0.25% 0.13% – 0.19%
$50,000.01 – $100,000 $50,000.01 0.30% 0.19% – 0.25%
$100,000.01 – $250,000 $100,000.01 0.35% 0.25% – 0.31%
Balances > $250,000 $250,000.01 0.40% 0.31% – 0.35%
*APY = Annual Percentage Yield. Minimum to open is $10.

Money Market & Money Market IRA Accounts

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$0.01 – $10,000 $10 0.25% 0.25%
$10,000.01 – $25,000 $10,000.01 0.30% 0.25% – 0.28%
$25,000.01 – $50,000 $25,000.01 0.35% 0.28% – 0.32%
$50,000.01 – $100,000 $50,000.01 0.40% 0.32% – 0.36%
$100,000.01 – $250,000 $100,000.01 0.45% 0.36% – 0.41%
$250,000.01 – $500,000 $250,000.01 0.50% 0.41% – 0.46%
$500,000.01 – $1,000,000 $500,000.01 0.55% 0.46% – 0.50%
Balances > $1,000,000 $1,000,000.01 0.60% 0.50% – 0.55%
*APY = Annual Percentage Yield. Minimum to open is $10.
  1. On all accounts – fees could reduce earnings.
  2. With variable rate, money market accounts, and statement savings – rates may change after the account is opened.
  3. On all Kasasa Accounts – Account approval, qualifications, limits, and other requirements apply. Click here for details.

Business Accounts

Business Advantage Checking Account

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$0.01 – $10,000 $10 0.00% 0.00%
$10,000.01 – $25,000 $10,000.01 0.10% 0.00% – 0.06%
$25,000.01 – $50,000 $25,000.01 0.15% 0.06% – 0.11%
$50,000.01 – $100,000 $50,000.01 0.20% 0.11% – 0.15%
$100,000.01 – $250,000 $100,000.01 0.30% 0.15% – 0.24%
Balances > $250,000 $250,000.01 0.40% 0.24% – 0.32%
*APY = Annual Percentage Yield. Minimum to open is $10.

Business Advantage Savings Account

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$0.01 – $10,000 $10 0.10% 0.10%
$10,000.01 – $25,000 $10,000.01 0.15% 0.10% – 0.13%
$25,000.01 – $50,000 $25,000.01 0.25% 0.13% – 0.19%
$50,000.01 – $100,000 $50,000.01 0.30% 0.19% – 0.25%
$100,000.01 – $250,000 $100,000.01 0.35% 0.25% – 0.31%
Balances > $250,000 $250,000.01 0.40% 0.31% – 0.35%
*APY = Annual Percentage Yield. Minimum to open is $10.

Business Money Market Account

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$0.01 – $10,000 $10 0.25% 0.25%
$10,000.01 – $25,000 $10,000.01 0.30% 0.25% – 0.28%
$25,000.01 – $50,000 $25,000.01 0.35% 0.28% – 0.32%
$50,000.01 – $100,000 $50,000.01 0.40% 0.32% – 0.36%
$100,000.01 – $250,000 $100,000.01 0.45% 0.36% – 0.41%
$250,000.01 – $500,000 $250,000.01 0.50% 0.41% – 0.46%
$500,000.01 – $1,000,000 $500,000.01 0.55% 0.46% – 0.50%
Balances > $1,000,000 $1,000,000.01 0.60% 0.50% – 0.55%
*APY = Annual Percentage Yield. Minimum to open is $10.

Business Passbook Savings

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$0.01 – $10,000 $10 0.10% 0.10%
$10,000.01 – $25,000 $10,000.01 0.10% 0.10%
$25,000.01 – $50,000 $25,000.01 0.10% 0.10%
$50,000.01 – $100,000 $50,000.01 0.10% 0.10%
$100,000.01 – $250,000 $100,000.01 0.10% 0.10%
Balances > $250,000 $250,000.01 0.10% 0.10%
*APY = Annual Percentage Yield. Minimum to open is $10.

IOLTA Account

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$10 1.88% 1.89%
*APY = Annual Percentage Yield. Minimum to open is $10.
  1. On all accounts – fees could reduce earnings.
  2. With variable rate, money market accounts, and statement savings – rates may change after the account is opened.

Effective date: May, 13, 2019