Savings & Checking Rates

Discover our competitive savings and checking rates.

Because we’re not-for-profit, we pay back earnings to you by offering higher deposit rates everyday .

Which savings or checking rates are you interested in?

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*
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.
InvestAccount**
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)
Account Type Dividend Rate APY Min. Balance to Earn APY
Prime Checking*** 0.10% 0.10% $500
Classic Club Checking (Age 55 and better) 0.10% 0.10% $0.00
***A monthly service fee of $10 if balance is less than $500 at any time of the month.
Share & IRA Certificates1
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 3.36% 3.40% Quarterly
7 month term2 $500 4.18% 4.25% Quarterly
12 month term $500 4.09% 4.15% Quarterly
24 month term $500 3.46% 3.50% Quarterly
36 month term $500 3.21% 3.25% Quarterly
48 month term $500 2.97% 3.00% Quarterly
60 month term $500 2.87% 2.90% Quarterly
Youth Certificate - 6 mo. Term $250 3.36% 3.40% Quarterly
Youth Certificate - 12 mo. Term $250 4.09% 4.15% Quarterly
1Contributions to Roth and traditional IRAs up to $7,000/year. "Catch-up" contribution option for individuals age 50 or older. A penalty may be assessed in the event of any early withdrawal.
2The 4.25% APY (Annual Percentage Yield)  promotional certificate has a term of 7 months, and the offer is effective as of December 1, 2024, this offer is subject to change or may end at any time. Business accounts and corporate entities are not eligible. 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. Advertised rates 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.  Certificates have a maximum deposit amount of $250,000.  Membership qualifications apply.
 

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Rates are effective on date of publication and may be subject to change.