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Certificates of Deposit

PERSONAL BANKING

Preparing for what lies ahead, especially far in the future, requires a financial partner that prioritizes your success.

Whether you are putting money aside for a new business space or your first home, focusing on long-term savings is essential to achieve your goals. With terms ranging from four weeks to five years, you can open a Certificate of Deposit with as little as $500.00 to earn interest on large or small balances. The team at MainStreet Bank offers years of unmatched expertise and a deep commitment to understanding our clients’ specific goals and providing customized solutions to help meet them. Between traditional savings accounts and Certificates of Deposit, MainStreet Bank offers a variety of options that work for where you are now – and where you want to be.

Making long-term goals attainable

Work with the local, expert team at MainStreet Bank to identify the savings solutions that are right for you. We’ll discuss your specific goals and all available options that may be a good fit. Once you’ve opened your CD and made your deposit, your rate is locked in for the length of your chosen term. All CDs are insured by the FDIC, up to the maximum allowed by law. We also offer expanded FDIC coverage through CDARS.

*Penalty for early withdrawal. Fees may reduce earnings.

GET STARTED

Opening a personal certificate of deposit is fast and easy. You’ll need to have a Government issued drivers license or state ID, social security number, your physical and mailing address, and date of birth.  Use our online portal to apply for your personal CD today!

Apply Now

Lock-in your path to success

CD Rate Table

Minimum to Open and Obtain APY: $10,000.00

Term

Interest Rate

APY

4 Week

0.200%

0.20%

13 Week

0.150%

0.15%

Minimum to Open and Obtain APY: $500

Term

Interest Rate

APY

6 Month

0.250%

0.25%

1 Year

0.300%

0.30%

1 Year No Penalty

0.200%

0.20%

2 Year

0.399%

0.40%

3 Year

0.499%

0.50%

4 Year

0.499%

0.50%

5 Year

0.499%

0.50%

Rates current as of January 23, 2021.

certificate of deposit

Fixed Rate & Term

Even if market rates fall, your CD remains fixed.

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Automatic Rollover

Automatic Rollover

Terms that end and reset automatically unless you choose to redeem.

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Government Loan

FDIC Insured

Maximum allowed by law insured by the Federal Deposit Insurance Corp.

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1 Review our CD Penalty Schedule as fees may reduce earnings. 2 All CD Accounts are subject to our Deposit Account Agreement. 3 All CD Accounts are subject to our Funds Availability Policy.

Learn more about our Certificates of Deposit.

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