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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Main Street Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 6, 2026
Main Street Bank's CD - 3 Year rates are at 0.50%, CD - 4 Year rates are at 0.50%, CD - 5 Year rates are at 0.50%, CD - 1 Year rates are at 0.30%, CD - 18-Month rates are at 0.30%. Main Street Bank's savings rates are at 0.20%. Main Street Bank's money market rates are at 3.75%. Main Street Bank's checking rates are as high as 6.00%. Main Street Bank's Conventional - 15 Year Fixed rates are at 6.25%, Conventional - 20 Year Fixed rates are at 6.375%, Conventional - 30 Year Fixed rates are at 6.875%, First Time Homebuyer - 30 Year Fixed rates are at 6.875%, Construction - 30 Year Fixed rates are at 7.125%. Main Street Bank's Auto Loan Rates are as low as 6.64%. Main Street Bank's top CD rate of 0.50% APY on a 3 year CD is 82% lower than the MonitorBankRates national average of 2.84% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Main Street Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.62%. Rates last updated and verified on 11/06/2026. 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. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Main Street Bank CD Rates
Main Street Bank Savings Rates
Main Street Bank Money Market Rates
Main Street Bank Checking Rates
Main Street Bank Mortgage Rates
Main Street Bank Home Equity & HELOC
Main Street Bank Auto Loan Rates
Main Street Bank RV, Boat and Powersport Loan Rates
Financial Health HistoryMain Street Bank’s Texas Ratio rose from 1.67% in Q3 2023 to 5.62% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 3.9 to 5.0 and its Health Grade from B+ to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Main Street Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Main Street Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Main Street Bank's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Main Street Bank
Website
https://www.waynesavings.com
Address
151 N Market St,
Wooster, OH 44691 · Wayne
Bank Holding Company
MAIN STREET FINL SERVICES CORP
FDIC Certificate #
29847
Regulator
FDIC
Established
January 1, 1899
FDIC Insurance Date
August 9, 1989
Domestic Offices
21
Total Branches
21
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.62%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.4914%
Return on Equity (ROE)
15.4600%
Non-Performing Loans Ratio (NPL)
0.55%
Total Assets
$1,553,716,000
Total Deposits
$1,388,978,000
Equity Capital
$151,331,000
Net Income
$11,372,000
Headquarters
Wooster
Total Branches and Offices
21
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
There are no reviews for Main Street Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Main Street Bank
Frequently Asked Questions About Main Street BankDoes Main Street Bank offer CDs?Yes. Main Street Bank current CD rates include its CD - 3 Year at 0.50% APY, its CD - 4 Year at 0.50% APY and its CD - 5 Year at 0.50% APY, verified by MonitorBankRates as of November 6, 2026. Are CDs from Main Street Bank FDIC insured?Yes. Main Street Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Main Street Bank?The highest Main Street Bank CD rate is its Certificate of Deposit - 3 Year at 0.50% APY, verified by MonitorBankRates as of November 6, 2026. What CD terms does Main Street Bank offer?Main Street Bank CD rates are 0.30% APY for a 12 month CD, 0.30% APY for an 18 month CD, 0.30% APY for a 2 year CD, 0.50% APY for a 3 year CD, 0.50% APY for a 4 year CD and 0.50% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Main Street Bank for its full lineup. What is the highest savings rate at Main Street Bank?The highest Main Street Bank savings rate is its Health Savings Accounts at 0.20% APY, verified by MonitorBankRates as of November 6, 2026. What is the highest money market rate at Main Street Bank?The highest Main Street Bank money market rate is its Maximize Money Market at 3.75% APY, verified by MonitorBankRates as of November 6, 2026. What is the highest checking rate at Main Street Bank?The highest Main Street Bank checking rate is its Personal Platinum Checking at 0.25% APY, verified by MonitorBankRates as of November 6, 2026. What is the lowest 30 year fixed mortgage rate at Main Street Bank?The lowest Main Street Bank 30 year fixed mortgage rate is its Conventional - 30 Year Fixed at 6.875%, verified by MonitorBankRates as of November 6, 2026. Main Street Bank mortgage rates are 6.875% for a 30 year mortgage, 6.375% for a 20 year mortgage and 6.25% for a 15 year mortgage. What is the lowest auto loan rate at Main Street Bank?The lowest Main Street Bank auto loan rate is its New Auto or Truck Loan - Model Year 2026 (never been titled) at 6.25%, verified by MonitorBankRates as of November 6, 2026. How many branches does Main Street Bank operate?Main Street Bank currently maintains approximately 21 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Main Street Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Main Street Bank provides members with tools to manage their accounts and build a solid financial history. Does Main Street Bank offer online and mobile banking?Most modern institutions like Main Street Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.waynesavings.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Main Street Bank rates compare?Main Street Bank's top CD rate of 0.50% APY on a 3 year CD is 82% lower than the MonitorBankRates national average of 2.84% APY for that term, and it has an A+ health rating. Main Street Bank's top rates are its Certificate of Deposit - 3 Year at 0.50% APY, its Health Savings Accounts at 0.20% APY, its Maximize Money Market at 3.75% APY, its Impact Checking at 6.00% APY, its Conventional - 15 Year Fixed at 6.25% and its New Auto or Truck Loan - Model Year 2026 (never been titled) at 6.64% APR, verified by MonitorBankRates on November 6, 2026. Current Main Street Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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