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. Rate information: The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier. | |||
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. Rate information: The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier. | |||
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. Rate information: The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier. | |||
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. Rate information: The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier. | |||
- On all accounts – fees could reduce earnings.
- With variable rate, money market accounts, and statement savings – rates may change after the account is opened.
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. Rate information: The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier. | |||
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. Rate information: The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier. | |||
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. Rate information: The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier. | |||
Main Street IOLTA Account
| Minimum to Earn APY* | Interest Rate | Annual Percentage Yield | |
| $10 | 3.03% | 3.07% | |
| *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: August 18, 2023