Bank · FDIC insured
Main Street Bank Savings Rates
A $1.7B bank headquartered in Marlborough, MA, with 6 branches in Massachusetts.
How Main Street Bank’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where Main Street Bank has the most branches. $10,000, best rate first.
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
3rd-highest rate
Lighthouse Credit Union
3.85%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $385
Main Street Bank savings score
60
Savings score
Higher than 2% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.03%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.03%
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 Street 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.
Main Street Money Market Account
0.03%APY on $10,000
Minimum balance is $1,000. Tiered rates; the interest rate listed in a tier will be paid for only that portion of daily balance range equal to or greater than the low balance amount but less than the high balance amount within that tier.
| Part of the balance | Rate on that part |
|---|---|
| Up to $10,000 | 0.03% |
| $10,000 – $25,000 | 0.03% |
| $25,000 – $50,000 | 0.03% |
| $50,000 – $100,000 | 0.08% |
| $100,000 – $250,000 | 0.43% |
| $250,000 – $500,000 | 0.78% |
| $500,000 – $1,000,000 | 1.13% |
| Over $1,000,000 | 1.53% |
On $10,000 the tiers blend to about 0.03% APY, earning $3 a year.
Sources (2)
All captured Oct 5, 2026
Main Street Savings Account
0.03%APY on $10,000
Variable rate; interest rate listed for tier will be paid for portion of balance range; minimum to open $10
| Part of the balance | Rate on that part |
|---|---|
| Up to $10,000 | 0.03% |
| $10,000 – $25,000 | 0.03% |
| $25,000 – $50,000 | 0.04% |
| $50,000 – $100,000 | 0.16% |
| $100,000 – $250,000 | 0.36% |
| Over $250,000 | 0.59% |
On $10,000 the tiers blend to about 0.03% APY, earning $3 a year.
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Holiday Savings Account
0.03%APY on $10,000
No minimum balance. Receive a check for the balance in the account automatically on October 31 each year. The interest rate listed in a tier will be paid for only that portion of daily balance range within that tier. Rates are variable and may change after opening. Fees could reduce earnings.
| Part of the balance | Rate on that part |
|---|---|
| Up to $10,000 | 0.03% |
| $10,000 – $25,000 | 0.03% |
| $25,000 – $50,000 | 0.03% |
| $50,000 – $100,000 | 0.03% |
| $100,000 – $250,000 | 0.03% |
| Over $250,000 | 0.03% |
On $10,000 the tiers blend to about 0.03% APY, earning $3 a year.
Sources (2)
All captured Oct 5, 2026
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.