FDIC-Insured – Backed by the full faith and credit of the U.S. Government
Personal Banking
Current Rates
Rates current as of August 3, 2026.
Rates are subject to change without notice.
Checking
Account |
Interest |
Annual |
Min. Deposit |
Learn More |
|---|---|---|---|---|
MainStreet Interest Checking |
0.05 |
0.05 |
$100 |
|
MainStreet Rewards Checking* |
0.50 |
0.50 |
$100 |
|
MainStreet Rewards Checking over $25,000* |
0.15 |
0.15 |
$100 |
|
MainStreet Gold Checking |
0.05 |
0.05 |
$100 |
|
HSA Checking** |
0.25 |
0.25 |
$0 |
*If qualifiers are not met, balances will earn interest at a rate of 0.10%
**More information available upon request. Please consult with your tax advisor to find out if this account is right for you.
Savings
Account |
Interest |
Annual |
Min. Deposit |
Learn More |
|---|---|---|---|---|
MainStreet Regular Savings |
0.15 |
0.15 |
$100 |
|
MainStreet Gold Savings |
0.15 |
0.15 |
$50 |
|
MainStreet Windfall Savings |
0.40 |
0.40 |
$10 |
|
MainStreet Youth Savings |
0.15 |
0.15 |
$10 |
MainStreet Money Market
Tier |
Interest |
Annual |
Min. Deposit |
Learn More |
|---|---|---|---|---|
$0.01 - $9,999.99 |
0.15 |
0.15 |
$1000 |
|
$10,000 - $24,999.99 |
0.50 |
0.50 |
$1000 |
|
$25,000 - $49,999.99 |
0.65 |
0.65 |
$1000 |
|
$50,000 - $99,999.99 |
1.09 |
1.10 |
$1000 |
|
$100,000+ |
1.98 |
2.00 |
$1000 |
MainStreet CDs & IRAs
Tier |
Interest |
Annual |
Min. Deposit |
|---|---|---|---|
91 Day |
0.75 |
0.75 |
$1,000 |
182 Day |
1.00 |
1.00 |
$1,000 |
1 Year |
1.98 |
2.00 |
$1,000 |
18 Month |
2.23 |
2.25 |
$1,000 |
2 Year |
2.47 |
2.50 |
$1,000 |
3 Year |
2.96 |
3.00 |
$1,000 |
4 Year |
2.96 |
3.00 |
$1,000 |
5 Year |
2.96 |
3.00 |
$1,000 |
Got It All - 30 Month |
1.98 |
2.00 |
$1,000 |
Penalties may be imposed on CDs and IRAs for early withdrawal.
Rates may change after account is open (Interest Checking/Savings/Money Market Accounts). Fees can reduce earnings (Interest-Bearing Checking/Savings/Money Market).
