Mainstreet rates: up to 8.25% APY
credit union · NCUA CHARTER 24858 · www.mainstreetcu.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Emergency Savings | $0 · rates dated 1 Apr 2026 | 8.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Membership Savings/Share Account | $5 · rates dated 1 Apr 2026 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Set-Aside Savings | $0 · rates dated 1 Apr 2026 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $5 · rates dated 1 Apr 2026 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Youth Savings (Formerly Goal Getters) | $0 · rates dated 1 Apr 2026 | 0.15% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 6-Month CD | 6 month term · $500 · rates dated 1 Apr 2026 | 3.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Youth Certificate - 6 mo. Term | $250 · 6 months · rates dated 1 Apr 2026 | 3.35% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12 month term · $500 · rates dated 1 Apr 2026 | 3.64% | APY | 2026-11-01 | since 2026-11-01 | |
| Youth Certificate - 12 mo. Term | $250 · 1 year · rates dated 1 Apr 2026 | 3.64% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 24 month term · $500 · rates dated 1 Apr 2026 | 3.10% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 36 month term · $500 · rates dated 1 Apr 2026 | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 4-Year CD | 48 month term · $500 · rates dated 1 Apr 2026 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Year CD | 60 month term · $500 · rates dated 1 Apr 2026 | 2.90% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | $1,000 - $2,499 · rates dated 1 Apr 2026 | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $2,500 - $9,999 · rates dated 1 Apr 2026 | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $10,000 - $24,999 · rates dated 1 Apr 2026 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $25,000 - $49,999 · rates dated 1 Apr 2026 | 0.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $50,000 - $74,999 · rates dated 1 Apr 2026 | 0.90% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $75,000 - $99,999 · rates dated 1 Apr 2026 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | 100,000 and over · from $100,000 · rates dated 1 Apr 2026 | 1.20% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Checking Account | High Yield Spend $1,000 minimum balance to avoid $10.00 monthly fee · $0 - $10,000 · rates dated 1 Apr 2026 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | High Yield Spend $1,000 minimum balance to avoid $10.00 monthly fee · $10,000.01 - over · rates dated 1 Apr 2026 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Classic Spend Checking (Age 55 and better) | $0.00 · rates dated 1 Apr 2026 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | Christmas Club This account will no longer be offered effective April 1, 2026 and any existing accounts will automatically convert to a Set-Aside Savings account on October 2, 2026. · $0 · rates dated 1 Apr 2026 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | Emergency Savings $1,000.01 and over · $0 · rates dated 1 Apr 2026 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Prime Checking | $500 · rates dated 1 Apr 2026 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Variable Rate IRA & ESA | $0 · rates dated 1 Apr 2026 | 0.20% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.mainstreetcu.org/landing-pages/emergency-savings/ | — | extract-failed | |
| www.mainstreetcu.org/why-mainstreet/membership-benefits/rates/ | 2026-11-02 01:12 UTC | ok | 9831c6cf4fbf |