Savings & Money Market
Together we grow. Meeting your financial goals with Main Street Bank.
Statement Savings
No matter if you’re saving for a shiny new car or for a rainy day—we can help you get there! If you need the flexibility to make deposits or withdrawals electronically, our Statement Savings account may be what you need.
- A monthly service charge of $5 when the balance falls below $50 any day of the statement cycle (account may close).
- Your APY and interest rate are variable and may change. At our discretion, we may change the interest rate on your account.
- Interest is compounded and paid quarterly. Service charges may reduce earnings.
- You will get a monthly account statement (unless there are no electronic transactions in a particular month. In any case you will get the statement at least quarterly).
- Transaction Limits apply. See Personal Account Disclosure & Fee Schedule for further information.
Money Market
If you want to boost your savings efforts by earning a competitive interest rate, our Money Market Investor can help you reach your goals faster. Unlike a traditional savings account, this combination checking/savings account lets you write checks directly from your account.
Maximize Money Market
- Variable interest rates for balances $0 - $24,999.99 received are at 0.30% annual percentage yield (APY) and balances $25,000 and greater will receive an APY of 4.00%.
- $25,000 minimum balance to earn stated Annual Percentage Yield (APY).
- A monthly service charge of $15 when balance falls below $25,000 any day of the statement cycle.
- Your APY and interest rate are variable and may change. At our discretion, we may change the interest rate on your account.
- Interest is compounded monthly and credited on the cycle date (monthly). Service charges may reduce earnings.
- Combined total of checks written and electronic transactions may not exceed six (6) during the same cycle period.
- Statements sent monthly with check images (12 images per page) at no charge.
- You will get a monthly account statement (unless there are no electronic transactions in a particular month. In any case you will get the statement at least quarterly).
- See Personal Account Disclosure & Fee Schedule for further information.
Money Market Investor
- A monthly service charge of $10 when the balance falls below $2,500 any day of the statement cycle.
- Your APY and interest rate are variable and may change. At our discretion, we may change the interest rate on your account.
- Interest is compounded monthly and credited on the cycle date (monthly). Service charges may reduce earnings.
- Combined total of checks written and electronic transactions may not exceed six (6) during the same cycle period.
- Statements sent monthly with check images (12 images per page) at no charge.
- You will get a monthly account statement (unless there are no electronic transactions in a particular month. In any case you will get the statement at least quarterly).
- See Personal Account Disclosure & Fee Schedule for further information.
Student Savings
It’s never too early to start making savings a habit. Whether you’re a parent teaching your young child the benefits of saving or a high school student saving for your first car, our convenient Student Savings account will introduce you to the fundamentals of saving. Student Savings accounts are for those from birth to age 18, and these accounts will automatically convert to a Statement Savings account on the child’s 18th birthday.
- No monthly service charge.
- Your APY and interest rate are variable and may change. At our discretion, we may change the interest rate on your account.
- Interest is compounded and paid quarterly. Service charges may reduce earnings.
- You will get a monthly account statement (unless there are no electronic transactions in a particular month. In any case you will get the statement at least quarterly).
- Transaction Limits apply. See Personal Account Disclosure & Fee Schedule for further information.
Christmas Club Savings
Make next Christmas stress-free with a Christmas Club savings account! Designed to help you save throughout the year, this account ensures you have the funds you need for holiday gifts, travel, and celebrations. With convenient automatic deposits and no monthly fees, saving for the season has never been easier. Start building your holiday budget today and enjoy the peace of mind that comes with being prepared for the most wonderful time of the year!
- No monthly service charge.
- Minimum to open the account is $5.00.
- The APY and interest rate are variable and may change. At our discretion, we may change the interest rate on your account.
- The first Christmas Club payment is on October 16th.
- The last day for Christmas Club payments is October 15th.
- Checks are cut and mailed on or around October 16th.
- Interest is compounded and paid annually. No interest will be paid if the account closes early.
- Annual account statement mailed on or around Ocotber 15th.
- See Personal Account Disclosure & Fee Schedule for further information
Rates & Specials