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. |
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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. | |||
- On all accounts – fees could reduce earnings.
- With variable rate, money market accounts, and statement savings – rates may change after the account is opened.
- 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. | |||
- On all accounts – fees could reduce earnings.
- With variable rate, money market accounts, and statement savings – rates may change after the account is opened.
Effective date: May, 13, 2019