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 | 2.00% | 2.02% | |||
| 17 mo.[1] | $1,000 | 2.50%[1] | 2.53%[1] | |||
| 18 mo. | $1,000 | 2.10% | 2.12% | |||
| 24 mo. | $1,000 | 2.20% | 2.22% | |||
| 25 mo.[1] | $1,000 | 2.75%[1] | 2.78%[1] | |||
| 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 | 2.00% | 2.02% | |||
| 17 mo. IRA[1] | $500 | 2.50%[1] | 2.53%[1] | |||
| 18 mo. IRA | $500 | 2.10% | 2.12% | |||
| 24 mo. IRA | $500 | 2.20% | 2.22% | |||
| 25 mo. IRA[1] | $1,000 | 2.75%[1] | 2.78%[1] | |||
| 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 February 1, 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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Variable Rate Accounts
| Minimum to Earn APY* | Contract Interest Rate | Annual Percentage Yield | |
| Passbook Savings | $10 | 0.10% | 0.10% |
| Interest Checking | $10 | 0.10% | 0.10% |
| 18/65 Checking | $10 | 0.10% | 0.10% |
| *APY = Annual Percentage Yield. Minimum to open is $10. | |||
Hybrid Savings & 18/65 Hybrid Savings
| Minimum to Earn APY* | Interest Rate | Annual Percentage Yield | |
| $10 – $24,999 | $10 | 0.10% | 0.10% |
| $25,000 and over | $25,000 | 0.20% | 0.20% |
| *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. | |||
Money Market
| Minimum to Earn APY* | Interest Rate | Annual Percentage Yield | |
| $10 – $9,999.99 | $10 | 0.20% | 0.20% |
| $10,000 – $49,999.99 | $10,000 | 0.25% | 0.25% |
| $50,000 – $99,999.99 | $50,000 | 0.30% | 0.30% |
| $100,000 – $249,999.99 | $100,000 | 0.35% | 0.35% |
| Jumbo Money Market | $250,000 | Contact Us! | 508-481-8300 |
| *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
| Minimum to Earn APY* | Interest Rate | Annual Percentage Yield | |
| $10 – $24,999.99 | $10 | 0.10% | 0.10% |
| $25,000 – $49,999.99 | $25,000 | 0.15% | 0.15% |
| $50,000 – $99,999.99 | $50,000 | 0.20% | 0.20% |
| Balances over $100,000 | $100,000 | 0.25% | 0.25% |
| *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.
Effective date: February 7, 2019