Bank · FDIC insured
Main Street Bank CD Rates
Main Street Bank’s best CD rate is 0.50% APY on a 3-year CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Main Street Bank’s CD rates compare
Compared with banks and credit unions near Wooster, OH, where Main Street Bank has the most branches. $10,000, best rate first.
This bank’s best
Main Street Bank
4.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $198
Relationship CD Specials
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $461
Main Street Bank CD score
61
CD score
Higher than 4% of U.S. banks and credit unions
- 3–8 months3–8 mo0.30%
- 9–15 months9–15 mo0.30%
- 16–30 months16–30 mo0.30%
- 31–60 months31–60 mo0.50%
- QualifiedQualified4.00%
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 CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Relationship CD Specials
Up to 4.00%APY · 7 terms
Relationship is defined by having a Main Street Bank checking account with transactions during the last 30 days, or opening a checking account on the same day as opening the Relationship CD. The Bank reserves the right to limit Relationship CD Specials to a maximum deposit amount of $250,000. All Relationship CD Specials automatically renew as a 12 month CD.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsChoose Your Term Relationship CD Special (6 month term). Requires qualifying checking relationship. Automatically renews as 12 month | 4.00% | $198 |
| 12 monthsChoose Your Term Relationship CD Special (12 month term). Requires qualifying checking relationship. Automatically renews as 12 month | 4.00% | $400 |
| 18 monthsChoose Your Term Relationship CD Special (18 month term). Requires qualifying checking relationship. Automatically renews as 12 month | 4.00% | $606 |
| 24 months24 month Relationship CD Special. Requires qualifying checking relationship. Automatically renews as 12 month | 3.00% | $609 |
| 36 months36 month Relationship CD Special. Requires qualifying checking relationship. Automatically renews as 12 month | 3.00% | $927 |
| 48 months48 month Relationship CD Special. Requires qualifying checking relationship. Automatically renews as 12 month | 3.00% | $1,255 |
| 60 months60 month Relationship CD Special. Requires qualifying checking relationship. Automatically renews as 12 month | 3.00% | $1,593 |
Sources (1)
- mymainstreetbank.bank/Rates/Savings · captured Sep 18, 2026
Certificates of Deposit
Up to 0.50%APY · 7 terms
Rate of earnings is fixed for the term. Early withdrawal penalties apply. All new and renewed certificates receive quarterly compounding, except the 91 day and 182 day certificates which compound at maturity. CDs renew automatically at the same term unless otherwise specified.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months182 Day term. Compounds at maturity | 0.30% | $15 |
| 12 months1 Year term. Quarterly compounding | 0.30% | $30 |
| 18 months18 Month term. Quarterly compounding | 0.30% | $45 |
| 24 months2 Year term. Quarterly compounding | 0.30% | $60 |
| 36 months3 Year term. Quarterly compounding | 0.50% | $151 |
| 48 months4 Year term. Quarterly compounding | 0.50% | $202 |
| 60 months5 Year term. Quarterly compounding | 0.50% | $253 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Fixed Term Certificates
Up to 0.50%APY · 7 terms
Any fixed term Certificates of Deposit are available as an IRA. Withdrawals may result in adverse tax consequences under IRS rules. Rate of earnings is fixed for the term. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months182 Day term. Compounds at maturity | 0.30% | $15 |
| 12 months1 Year term. Quarterly compounding | 0.30% | $30 |
| 18 months18 Month term. Quarterly compounding | 0.30% | $45 |
| 24 months2 Year term. Quarterly compounding | 0.30% | $60 |
| 36 months3 Year term. Quarterly compounding | 0.50% | $151 |
| 48 months4 Year term. Quarterly compounding | 0.50% | $202 |
| 60 months5 Year term. Quarterly compounding | 0.50% | $253 |
Sources (2)
All captured Sep 18, 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.