Bank · FDIC insured
Main Bank Savings Rates
Main Bank’s best savings rate is 2.65% APY on $10,000, with its MainStay Savings Account. Rates checked October 22, 2026.
How Main Bank’s savings rates compare
Compared with banks and credit unions near Albuquerque, NM, where Main Bank has the most branches. $10,000, best rate first.
This bank’s best
Main Bank
2.65%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $265
MainStay Savings Account
Top rate
Citizens Bank of Las Cruces
5.12%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $512
2nd-highest rate
America First Credit Union
3.95%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $395
Main Bank savings score
88
Savings score
Higher than 81% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0001.50%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Main Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
MainStay Savings Account
2.65%APY
$3 monthly maintenance fee if daily balance is under $100; waived with daily balance of $2,500 or more. 1 withdrawal at no charge per quarter.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Under $100 daily balance. Monthly maintenance fee of $3 applies when daily balance is under $100. | 0.00% | — | Under $100 daily balance. Monthly maintenance fee of $3 applies when daily balance is under $100. |
| $100 – $2,500 | 0.35% | — | |
| $2,500 and upMinimum daily balance of $2,500 required to obtain the higher APY and waive monthly maintenance fee. | 2.65% | $265 | Minimum daily balance of $2,500 required to obtain the higher APY and waive monthly maintenance fee. |
Main Money Market Account
1.50%APY
Interest is tiered, compounded, and paid monthly. Monthly maintenance fee of $15 is waived with a daily balance of $2,500 or more. Minimum daily balance of $2,500 required to obtain APY and earn interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum daily balance required to obtain APY is $2,500.00. Monthly maintenance fee of $15 is waived with a daily balance of $2,500 or more.$2,500 and up | 1.50% | $150 | Minimum daily balance required to obtain APY is $2,500.00. Monthly maintenance fee of $15 is waived with a daily balance of $2,500 or more. |
Personal Savings
0.50%APY
$3 monthly maintenance fee if daily balance is under $100; waived with daily balance of $100 or more. 1 withdrawal/debit at no charge per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum daily balance required to obtain APY is $100.00. Monthly maintenance fee of $3 is waived with daily balance of $100 or more.$100 and up | 0.50% | $50 | Minimum daily balance required to obtain APY is $100.00. Monthly maintenance fee of $3 is waived with daily balance of $100 or more. |
Special-purpose accounts
Health Savings Account
1.25%APY
Pre-tax account for qualified medical expenses for individuals with a High-Deductible Health Plan (HDHP).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $2,500 | 0.40% | — |
| $2,500 – $10,000 | 0.60% | — |
| $10,000 – $24,999 | 1.25% | $125 |
| $50,000 – $100,000 | 2.00% | — |
| $100,000 and up | 2.00% | — |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.