Main Street Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 3.34%, 6-month CD rates at 5.05% and 3-month CD rates at 0.30%. Current savings rates are at 0.05% and money market rates are at 4.33%. Mortgage rates today on 30-year fixed loans are around 7.03%. Credit Card rates are at 13.24%. Personal Loan rates are at 13.00%. All these rates, and more, can be found in our database of rates. Main Street Bank's 36-Month CD rates are at 3.56%, 24-Month CD rates are at 3.04%, 18-Month CD rates are at 2.53%, 12-Month CD rates are at 2.02%, 60-Month CD rates are at 0.60%. Main Street Bank's savings rates are at 0.25%. Main Street Bank's money market rates are at 0.40%.

Main Street Bank

To see how these rates compare to Main Street Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Main Street Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Main Street Bank CD rates. You can also compare Main Street Bank savings rates, MMA rates and mortgage rates using our other rate lists.

Main Street Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Main Street Bank? Share your experience about Main Street Bank by leaving a review below, or read customer reviews before you decide to use Main Street Bank.

Main Street Bank Texas Ratio

Main Street Bank's Texas Ratio is at 2.54%, which is considered excellent. The Texas Ratio for Main Street Bank is lower than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Main Street Bank is an excellent bank worth considering, with an overall rating of 4 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
2.02%
18-Month CD
2.53%
24-Month CD
3.04%
36-Month CD
3.56%
48-Month CD
0.50%
60-Month CD
0.60%
Savings
0.25%
MMA
0.40%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Main Street Bank
81 Granger Blvd
Marlborough, MA 01752
Member FDIC
MonitorBankRates' Rating
4/5
★★★★☆

Main Street Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Main Street Bank
Main Street Bank
36-Month CD
3.56%
$1,000
Main Street Bank
Main Street Bank
24-Month CD
3.04%
$1,000
Main Street Bank
Main Street Bank
18-Month CD
2.53%
$1,000
Main Street Bank
Main Street Bank
12-Month CD
2.02%
$1,000
Main Street Bank
Main Street Bank
60-Month CD
0.60%
$1,000
Main Street Bank
Main Street Bank
48-Month CD
0.50%
$1,000
Main Street Bank
Main Street Bank
Money Market
0.40%
$0
Main Street Bank
Main Street Bank
Savings Account
0.25%
$0
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Main Street Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
LifeStore Bank
LifeStore Bank
7-Month CD special
5.13%
$5,000
Volunteer State Bank
Volunteer State Bank
Free Kasasa Cash Checking
4.50%
$100
EagleBank
EagleBank
3-Month CD IntraFi CDARS
4.40%
$10,000
Raymond James
48-Month CD brokered
4.30%
$1,000
Fayetteville Bank
Fayetteville Bank
12-Month CD
3.65%
$1,000
Freedom Bank of Southern Missouri
Freedom Bank of Southern Missouri
60-Month CD
3.60%
$1,000
Central Bank of Kansas City
Central Bank of Kansas City
12-Month CD
3.55%
$500
705 Federal Credit Union
705 Federal Credit Union
24-Month CD certificate
3.55%
$1,000
Ridgewood Savings Bank
Ridgewood Savings Bank
Smart Move Online Savings Account
3.50%
$0
Citizens Federal Savings Bank
Citizens Federal Savings Bank
24-Month CD
3.25%
$500
First Command Bank
First Command Bank
48-Month Jumbo CD
3.00%
$100,000
Central Bank Provo, UT
Central Bank Provo, UT
36-Month CD
2.88%
$500
First Federal S&L of Central Illinois, S.B.
First Federal S&L of Central Illinois, S.B.
36-Month CD
2.53%
$1,000
Midwest Heritage Bank
Midwest Heritage Bank
Money Market
2.53%
$250,000
Zions Bank
Zions Bank
24-Month CD
2.53%
$1,000
First Security Bank Mackinaw, IL
First Security Bank Mackinaw, IL
30-Month CD
2.50%
$1,000
St. Ansgar State Bank
St. Ansgar State Bank
Money Market
2.43%
$500,000
Bruning Bank
Bruning Bank
60-Month CD
2.22%
$500
Farmers State Bank Victor, MT
Farmers State Bank Victor, MT
60-Month CD
2.02%
$1,000
FNB of Johnson
12-Month CD
2.01%
$500
The Bank of South Carolina
The Bank of South Carolina
12-Month Jumbo CD
2.00%
$250,000
FNB of Grayson
FNB of Grayson
24-Month CD
2.00%
$500
Community Savings Bank Edgewood, IA
Community Savings Bank Edgewood, IA
18-Month CD
1.87%
$1,000
VisionBank Of Iowa
VisionBank Of Iowa
36-Month CD
1.80%
$2,500
West Union Bank
West Union Bank
48-Month CD
1.80%
$500
Peoples State Bank Ellettsville, IN
Peoples State Bank Ellettsville, IN
18-Month CD
1.41%
$500
Abco Federal Credit Union
Abco Federal Credit Union
Money Market
1.20%
$50,000
Buena Vista National Bank
Buena Vista National Bank
36-Month CD
1.15%
$500
Security Savings Bank
Security Savings Bank
48-Month CD
0.90%
$500
American National Bank - Fox Cities
American National Bank - Fox Cities
12-Month CD
0.90%
$500
FNB of Hope
Money Market Investment
0.75%
$50,000
Banesco USA
Banesco USA
24-Month CD
0.50%
$1,500
Sullivan Bank
Sullivan Bank
36-Month CD
0.50%
$1,000
Neffs National Bank
Neffs National Bank
Money Market
0.40%
$500
Home Bank of California
Home Bank of California
Statement Savings
0.30%
$100
The Valley State Bank
The Valley State Bank
24-Month CD
0.30%
$500
Dime Bank
Dime Bank
48-Month CD
0.30%
$500
Capital Bank TX
Capital Bank TX
Savings Account
0.25%
$100
FCN Bank, N.A.
FCN Bank, N.A.
18-Month CD
0.25%
$1,000
The Middlefield Banking Company
The Middlefield Banking Company
IRA Savings Account
0.20%
$1,000
FNB of Nevada, Missouri
FNB of Nevada, Missouri
Savings Account
0.15%
$0
NVE Bank
NVE Bank
12-Month CD
0.11%
$1,000
BankWest Of Kansas
BankWest Of Kansas
Money Market
0.10%
$10,000
Farmers State Bank Wathena, KS
Farmers State Bank Wathena, KS
Savings Account
0.10%
$100
1st United Credit Union
1st United Credit Union
Money Market
0.10%
$1,000
Northwest Community Bank
Northwest Community Bank
Savings Account
0.05%
$5
Pittsfield Co-operative Bank
Pittsfield Co-operative Bank
Passbook Savings
0.05%
$10
Busey Bank
Busey Bank
36-Month CD
0.05%
$1,000
Kearny Bank
Kearny Bank
Statement Savings
0.05%
$100
Cambridge Trust Company
Cambridge Trust Company
Personal Money Market
0.01%
$2,500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates April 22, 2024

Lender
Product
Rate
APR
Points
4.500%
4.666%
0.000
4.650%
4.766%
0.000
4.990%
5.287%
0.500
5.500%
5.570%
0.000
5.500%
5.614%
0.000
10-Year Power Rate Fixed
5.954%
5.625%
0.000
15-Year Fixed
5.625%
5.681%
0.000
5.500%
5.716%
0.500
15-Year Power Rate Fixed
5.974%
5.750%
0.000
5.625%
5.777%
0.500
5.500%
5.820%
0.000
5.750%
5.834%
0.000
5.500%
5.868%
2.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
10-Year Fixed (LTV 90% or less)
5.675%
5.894%
0.000
5.625%
5.909%
1.000
5.750%
5.946%
0.250
5.875%
5.958%
0.000
5.875%
5.958%
0.000
5-Year ARM (LTV 80% or less)
6.250%
5.963%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Main Street Bank Information

Main Street Bank
81 Granger Blvd
Marlborough, MA 01752
Middlesex
Established Date: 04/03/1860
FDIC Certificate #: 90235
Date of FDIC Deposit Insurance: 11/15/1985
Bank Holding Company: MAIN STREET GROUP BANCSHARES MHC
How Many Domestic U.S. Offices? 10
How Many Branches are There? 10
Is Main Street Bank FDIC Insured? Yes
What is Main Street Bank's Cert number? 90235
What is the maximum amount for insured deposits? $250,000 per holder, per account

Main Street Bank Financials

Total Assets:
$1,500,433,000
Total Deposits:
$1,254,539,000
Equity Capital:
$141,611,000
Domestic Deposits:
$1,254,539,000
Net Income:
$1,866,000
Return on Assets:
0.7042%
Quarterly Return on Assets:
0.5000%
Pretax Return on Assets:
0.6437%
Pretax Quarterly Return on Assets:
0.6400%
Return on Equity:
6.9100%
Quarterly Return on Equity:
5.3600%
Leverage Tier 1 (Core Capital) Ratio:
11.1855%
Total Interest Income (YTD):
3.5818%
 
 
Headquarters:
Marlborough
FDIC Field Office:
North Boston
Regulator:
FDIC
County:
Middlesex
# of Offices:
10
Metropolitan Statistical Area (MSA):
Boston-Cambridge-Newton, MA-NH
Consolidated Metropolitan Statistical Area (CMSA):
Boston-Worcester-Lawrence, MA-NH-ME-CT
OTS Region:
Northeast
FDIC Region:
New York
Source: FDIC

FDIC List of Troubled Banks and the Texas Ratio

The Federal Deposit Insurance Corporation (FDIC) maintains a list of problem banks that isn't published or shared with anyone else. So how can the average depositor or lender know if their bank is a problem bank about to fail?

The Texas Ratio is one measure that might offer a clue. The ratio was developed by RBC Capital Markets analyst Gerard Cassidy in the 1980's to forecast which banks could fail during the 1980's real estate bubble...Deja vu, anyone?

The ratio is devised by comparing a bank's troubled loans to its capital. If the amount of bad loans equals or exceeds its capital, a ratio of 100% or higher, the bank might not have enough capital to cover its losses related to the bad loans on its books. Updated Failed Bank List Below:

    Read more...

Explore Other Rate Deals

Sallie Mae Money Market Account rates are now at 0.90 percent with a yield of 0.90 percent. View current Money Market Account rates at Sallie Mae below.
Barclays Bank CD Rates 2.15% APY 12-Month CD NationwideBarclays Bank CD rates on short and intermediate term certificates of deposit are really competitive right now. In fact, 12 month CD rates at Barclays Bank are near the top of our rate list. Current 12 month CD rates from Barclays Bank are at 2.13 percent with an APY of 2.15 percent. If you're looking for a longer term CD account, 18 month to 48 month CD rates are also at 2.13 percent with an APY of 2.15 percent. There is no minimum balance to open a CD account. To get the best deal on a CD account, compare online CD rates with Barclays Bank CD rates.
indymac-federal-bankIndyMac Federal Bank is offering one of the best CD rates around, an online promotional 7 month Certificate of Deposit ( CD ) Rate of 4.15% APY. The minimum deposit is $5,000. Interest is compounded daily and paid or reinvested into the account monthly or at maturity. This promo CD rate isn't available to Institutional or Business accounts.

Bank or Credit Union Offers and Deals

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First Internet Bank CD Rates: 5.06% APY 12-Month Certificate of Deposit
Fixed Mortgage Rates Head Higher Says MBA: 30 Year Fixed Mortgage Rates at 4.34%, 15 Year Fixed Mortgage Rates at 3.74%
Home Mortgage Rates Plunge Hitting Another Record Low: 30 Year Conforming Mortgage Rates at 4.07%, 30 Year Jumbo Mortgage Rates at 4.65%

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