Certificates of Deposit

Consumer and Business

Certificates Minimum to Open Interest Rate Annual Percentage Yield*
3 mo. $1,000 0.15% 0.15%
6 mo. $1,000 1.00% 1.00%
7 mo. Special $1,000 3.75% 3.82%
9 mo. Special $1,000 2.50% 2.53%
11 mo. Special $1,000 3.50% 3.56%
12 mo. $1,000 2.00% 2.02%
13 mo. Special $1,000 3.75% 3.82%
15 mo. Special $1,000 4.50% 4.59%
18 mo. $1,000 2.50% 2.53%
24 mo. $1,000 3.00% 3.04%
36 mo. $1,000 3.50% 3.56%
48 mo. $1,000 0.50% 0.50%
60 mo. $1,000 0.60% 0.60%
6 mo. IRA $1000 2.00% 2.02%
7 mo. IRA Special $1000 3.75% 3.82%
9 mo. IRA Special  $1000 2.50% 2.53%
11 mo. IRA Special  $1000 3.50% 3.56%
12 mo. IRA  $1000 1.00% 1.00%
13 mo. IRA Special  $1000 3.75% 3.82%
15 mo. IRA Special  $1000 4.50% 4.59%
18 mo. IRA  $1000 2.50% 2.53%
24 mo. IRA  $1000 3.00% 3.04%
36 mo. IRA  $1000 3.50% 3.56%
48 mo. IRA  $1000 0.50% 0.50%
60 mo. IRA  $1000 0.60% 0.60%
*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 $0.01.

Consumer Accounts

Holiday Savings Account

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$0.01 – $10,000 $0.01 0.05% 0.05%
$10,000.01 – $25,000 $10,000.01 0.05% 0.05%
$25,000.01 – $50,000 $25,000.01 0.05% 0.05%
$50,000.01 – $100,000 $50,000.01 0.05% 0.05%
$100,000.01 – $250,000 $100,000.01 0.05% 0.05%
Balances > $250,000 $250,000.01 0.05% 0.05%
*APY = Annual Percentage Yield. Minimum to open is $10.

Main Street Interest Checking Account

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$0.01 – $10,000 $0.01 0.15% 0.15%
$10,000.01 – $25,000 $10,000.01 0.15% 0.15%
$25,000.01 – $50,000 $25,000.01 0.15% 0.15%
$50,000.01 – $100,000 $50,000.01 0.15% 0.15%
$100,000.01 – $250,000 $100,000.01 0.15% 0.15%
Balances > $250,000 $250,000.01 0.15% 0.15%
*APY = Annual Percentage Yield. Minimum to open is $10.

Main Street Savings Account

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$0.01 – $10,000 $0.01 0.25% 0.25%
$10,000.01 – $25,000 $10,000.01 0.25% 0.25% – 0.25%
$25,000.01 – $50,000 $25,000.01 0.40% 0.25% – 0.33%
$50,000.01 – $100,000 $50,000.01 0.75% 0.33% – 0.54%
$100,000.01 – $250,000 $100,000.01 1.10% 0.54% – 0.88%
Balances > $250,000 $250,000.01 1.45% 0.88% – 1.45%
*APY = Annual Percentage Yield. Minimum to open is $10.

Main Street Money Market & Money Market IRA Account

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$0.01 – $10,000 $0.01 0.40% 0.40%
$10,000.01 – $25,000 $10,000.01 0.40% 0.40% – 0.40%
$25,000.01 – $50,000 $25,000.01 0.50% 0.40% – 0.45%
$50,000.01 – $100,000 $50,000.01 0.75% 0.45% – 0.60%
$100,000.01 – $250,000 $100,000.01 1.10% 0.60% – 0.90%
$250,000.01 – $500,000 $250,000.01 1.45% 0.90% – 1.18%
$500,000.01 – $1,000,000 $500,000.01 1.80% 1.18% – 1.50%
Balances > $1,000,000 $1,000,000.01 2.15% 1.50% – 2.15%
*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

Main Street Business Interest Checking Account

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$0.01 – $10,000 $0.01 0.30% 0.30%
$10,000.01 – $25,000 $10,000.01 0.30% 0.30% – 0.30%
$25,000.01 – $50,000 $25,000.01 0.40% 0.30% – 0.35%
$50,000.01 – $100,000 $50,000.01 0.75% 0.35% – 0.55%
$100,000.01 – $250,000 $100,000.01 1.10% 0.55% – 0.88%
Balances > $250,000 $250,000.01 1.45% 0.88% – 1.45%
*APY = Annual Percentage Yield. Minimum to open is $10.

Main Street Business Savings Account

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$0.01 – $10,000 $0.01 0.40% 0.40%
$10,000.01 – $25,000 $10,000.01 0.40% 0.40% – 0.40%
$25,000.01 – $50,000 $25,000.01 0.50% 0.40% – 0.45%
$50,000.01 – $100,000 $50,000.01 0.75% 0.45% – 0.60%
$100,000.01 – $250,000 $100,000.01 1.10% 0.60% – 0.90%
Balances > $250,000 $250,000.01 1.45% 0.90% – 1.45%
*APY = Annual Percentage Yield. Minimum to open is $10.

Main Street Business Money Market Account

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$0.01 – $10,000 $0.01 0.40% 0.40%
$10,000.01 – $25,000 $10,000.01 0.40% 0.40% – 0.40%
$25,000.01 – $50,000 $25,000.01 0.50% 0.40% – 0.45%
$50,000.01 – $100,000 $50,000.01 0.75% 0.45% – 0.60%
$100,000.01 – $250,000 $100,000.01 1.10% 0.60% – 0.90%
$250,000.01 – $500,000 $250,000.01 1.45% 0.90% – 1.18%
$500,000.01 – $1,000,000 $500,000.01 1.80% 1.18% – 1.50%
Balances > $1,000,000 $1,000,000.01 2.15% 1.50% – 2.15%
*APY = Annual Percentage Yield. Minimum to open is $10.

Main Street IOLTA Account

Minimum to Earn APY* Interest Rate Annual Percentage Yield
$10 2.75% 2.78%
*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 8, 2023