Bank · FDIC insured
Main Street Bank Savings Rates
Main Street Bank’s best savings rate is 0.10% APY on $10,000, with its Statement Savings. Rates checked October 16, 2026.
How Main Street Bank’s savings 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
0.10%APY
- Requires
- None
- Minimum
- $200
- Earns on $10,000 a year
- $10
Statement Savings
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Everence
2.85%APY
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000 a year
- $285
Main Street Bank savings score
67
Savings score
Higher than 20% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0003.75%
- QualifiedQualified0.10%
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.
Maximize Money Market
0.30%APY
Variable rate account. Monthly service charge of $15 applies if balance falls below $25,000 any day/time during the month/statement cycle. Combined check writing and electronic transactions limited to 6 per cycle period.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000No monthly service charge unless balance falls below $25,000 any day/time during the month/statement cycle. | 0.30% | $30 | No monthly service charge unless balance falls below $25,000 any day/time during the month/statement cycle. |
| $25,000 – $100,000No monthly service charge unless balance falls below $25,000 any day/time during the month/statement cycle. | 3.75% | — | No monthly service charge unless balance falls below $25,000 any day/time during the month/statement cycle. |
| $100,000 – $250,000No monthly service charge unless balance falls below $25,000 any day/time during the month/statement cycle. | 3.75% | — | No monthly service charge unless balance falls below $25,000 any day/time during the month/statement cycle. |
| $250,000 – $500,000No monthly service charge unless balance falls below $25,000 any day/time during the month/statement cycle. | 3.75% | — | No monthly service charge unless balance falls below $25,000 any day/time during the month/statement cycle. |
| $500,000 – $1,000,000No monthly service charge unless balance falls below $25,000 any day/time during the month/statement cycle. | 3.75% | — | No monthly service charge unless balance falls below $25,000 any day/time during the month/statement cycle. |
| $1,000,000 and upNo monthly service charge unless balance falls below $25,000 any day/time during the month/statement cycle. | 3.75% | — | No monthly service charge unless balance falls below $25,000 any day/time during the month/statement cycle. |
Sources (2)
All captured Sep 18, 2026
Money Market Investor
0.05%APY
Variable rate account. Monthly service charge of $10 applies if the balance falls below $1,000 any time during the month. Combined check writing and electronic transactions limited to 6 per cycle period.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000No monthly service charge unless balance falls below $1,000 any day/time during the month/cycle period. | 0.05% | — | No monthly service charge unless balance falls below $1,000 any day/time during the month/cycle period. |
| $1,000 – $10,000No monthly service charge unless balance falls below $1,000 any day/time during the month/cycle period. | 0.05% | — | No monthly service charge unless balance falls below $1,000 any day/time during the month/cycle period. |
| $10,000 – $25,000No monthly service charge unless balance falls below $1,000 any day/time during the month/cycle period. | 0.05% | $5 | No monthly service charge unless balance falls below $1,000 any day/time during the month/cycle period. |
| $25,000 and upNo monthly service charge unless balance falls below $1,000 any day/time during the month/cycle period. | 0.10% | — | No monthly service charge unless balance falls below $1,000 any day/time during the month/cycle period. |
Sources (2)
All captured Sep 18, 2026
Statement Savings
0.10%APY
Monthly service charge of $5 applies when balance falls below $200 any day of statement cycle (account may close). Quarterly account statement. Transaction limits apply. Variable rate; interest compounded and paid monthly or quarterly per schedule disclosures.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,500$5 monthly fee if balance falls below $200. Variable rate. | 0.10% | — | $5 monthly fee if balance falls below $200. Variable rate. |
| $2,500 and up$5 monthly fee if balance falls below $200. Variable rate. | 0.10% | $10 | $5 monthly fee if balance falls below $200. Variable rate. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Health Savings Accounts
0.20%APY
Health Savings Account for qualifying medical expenses under high deductible health plans. Consists of checking and savings subaccounts. No monthly maintenance fee. Contributions subject to IRS limits. Variable rate. Interest compounded monthly and credited on cycle date.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,499No monthly maintenance fee. Variable rate. Subject to IRS contribution limits. | 0.05% | — | No monthly maintenance fee. Variable rate. Subject to IRS contribution limits. |
| $2,500 – $5,000No monthly maintenance fee. Variable rate. Subject to IRS contribution limits. | 0.05% | — | No monthly maintenance fee. Variable rate. Subject to IRS contribution limits. |
| $5,000 – $10,000No monthly maintenance fee. Variable rate. Subject to IRS contribution limits. | 0.20% | — | No monthly maintenance fee. Variable rate. Subject to IRS contribution limits. |
| $10,000 and upNo monthly maintenance fee. Variable rate. Subject to IRS contribution limits. | 0.20% | $20 | No monthly maintenance fee. Variable rate. Subject to IRS contribution limits. |
Sources (2)
All captured Sep 18, 2026
Christmas Club Savings
0.05%APY
No monthly service charge. First payment on October 16th; last payment October 15th. Checks mailed on or around October 16th. Interest compounded and paid annually; no interest paid if closed early. Annual statement. Variable rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upNo monthly service charge. Variable rate. Interest compounded and paid annually; forfeited if account closes early.$5 and up | 0.05% | $5 | No monthly service charge. Variable rate. Interest compounded and paid annually; forfeited if account closes early. |
Sources (2)
All captured Sep 18, 2026
IRA Statement Savings
0.05%APY
Individual Retirement Account savings. Deposits can be made up to IRS annual contribution limits. Withdrawals may result in tax consequences under IRS rules. Variable rate. Interest compounded and paid quarterly. No monthly service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upNo monthly service charge. Variable rate. Contributions subject to IRS limits.$100 and up | 0.05% | $5 | No monthly service charge. Variable rate. Contributions subject to IRS limits. |
Sources (2)
All captured Sep 18, 2026
Student Savings
0.05%APY
For individuals from birth to age 18. Automatically converts to Statement Savings on 18th birthday. No monthly service charge. Variable rate. Interest compounded and paid monthly (or quarterly per footnote). Transaction limits apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500No monthly service charge. Variable rate. | 0.05% | — | No monthly service charge. Variable rate. |
| $2,500 and upNo monthly service charge. Variable rate. | 0.05% | $5 | No monthly service charge. Variable rate. |
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.