Discover our competitive rates
Because we’re not-for-profit, we pay back earnings to you by offering higher deposit rates and lower loan rates.
Which savings or checking rates are you interested in?
Savings Accounts
| Account Type (credited and compounded quarterly) |
Dividend Rate | APY APY = Annual Percentage Yield |
Min Balance to Earn APY |
|---|---|---|---|
| Share/Savings Account | 0.15% | 0.15% | $5 |
| Youth Savings (Goal Getters) | 0.15% | 0.15% | $5 |
| Christmas Club | 0.15% | 0.15% | $0 |
| Escrow Accounts | 0.05% | 0.05% | $0 |
| ***IRA Savings | 0.20% | 0.20% | $0 |
Money Market Account
|
Money Market*
Balance Tier
(credited and compounded monthly) |
Dividend Rate | APY APY = Annual Percentage Yield |
Min Balance to Earn APY |
|---|---|---|---|
| $2,500-$9,999 | 0.40% | 0.40% | $2,500-$9,999 |
| $10,000-$24,999 | 0.50% | 0.50% | $10,000-$24,999 |
| $25,000-$49,999 | 0.80% | 0.80% | $25,000-$49,999 |
| $50,000-$74,999 | 0.90% | 0.90% | $50,000-$74,999 |
| $75,000-$99,999 | 1.00% | 1.00% | $75,000-$99,999 |
| Over $100,000 | 1.19% | 1.20% | Over $100,000 |
* Requires a minimum of $2,500 to open, account is subject to $10 monthly fee if the balance falls below the minimum requirement.
Invest Account
|
Invest Account **
Balance Tier
(credited and compounded monthly) |
Dividend Rate | APY APY = Annual Percentage Yield |
Min Balance to Earn APY |
|---|---|---|---|
| $1,000-$9,999 | 0.15% | 0.15% | $1,000-$9,999 |
| $10,000-$19,999 | 0.20% | 0.20% | $10,000-$19,999 |
| $20,000-$29,999 | 0.25% | 0.25% | $20,000-$29,999 |
| $30,000 & over | 0.30% | 0.30% | $30,000 & over |
* *Requires a minimum of $1,000, account is subject to $10 monthly fee if the balance falls below the minimum requirement.
(Existing InvestAccounts accounts only, new InvestAccounts are no longer available)
Checking Accounts
| Account Type | Dividend Rate | APY | Min Balance to Earn APY |
|---|---|---|---|
| ***Prime Checking | 0.10% | 0.10% | $500 |
| Classic Club Checking | 0.10% | 0.10% | $0.00 - Age 55 and older |
*** A monthly service fee of $10.00 if balance is less than $500 at any time of the month.
Share & IRA Certificates of Deposit
|
Share & IRA Certificates of Deposit1
A penalty may be assessed in the event of any early withdrawal.
|
Minimum Balance Requirement | Dividend Rate | APY APY = Annual Percentage Yield |
Credited & Compounded |
|---|---|---|---|---|
| 6 month term | $500 | 3.46% | 3.50% | Quarterly |
| 7 month term2 | $500 | 5.10 | 5.20 | Quarterly |
| 12 month term | $500 | 3.65% | 3.70% | Quarterly |
| 14 month term3 | $500 | 5.39% | 5.50% | Quarterly |
| 24 month term | $500 | 3.70% | 3.75% | Quarterly |
| 36 month term | $500 | 3.60% | 3.65% | Quarterly |
| 48 month term | $500 | 3.21% | 3.25% | Quarterly |
| 60 month term | $500 | 3.46% | 3.50% | Quarterly |
| Youth Certificate - 6 mo. Term | $250 | 3.46% | 3.50% | Quarterly |
| Youth Certificate - 12 mo. Term | $250 | 3.65% | 3.70% | Quarterly |
1Contributions to Roth and traditional IRAs up to $5,000/year. "Catch-up" contribution option for individuals age 50 or older.
A penalty may be assessed in the event of any early withdrawal.
Advertised rate and APY are offered at Mainstreet Credit Union’s discretion. Fixed and adjustable Certificate rates are not guaranteed until your Certificate is funded and issued. A $500 minimum deposit is required. Certificate have a maximum deposit amount of $250,000.
2 The 5.20% APY* promotional certificate has a term of 7-months and the offer is effective as of October 1, 2023 and scheduled to end November 30, 2023. Open to all Term Certificates and IRA Certificates, excluding Business accounts and corporate entities. The promotional 7-month certificate will mature into a 6-month certificate at the then-current rate. Penalties may apply for early withdrawal. Fees could reduce earnings on these accounts. Offer is subject to change or cancellation without notice.
3 The 5.50% APY* promotional certificate has a term of 14-months and the offer is effective as of October 1, 2023 and scheduled to end November 30, 2023. Open to all Term Certificates and IRA Certificates, excluding Business accounts and corporate entities. The promotional 14-month certificate will mature into a 12-month certificate at the then-current rate. Penalties may apply for early withdrawal. Fees could reduce earnings on these accounts. Offer is subject to change or cancellation without notice.
Federally Insured by NCUA
Rates are effective on date of publication and may be subject to change.