Bank · FDIC insured
MainStreet Bank CD Rates
MainStreet Bank’s best CD rate is 3.90% APY on a 1-year CD. Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How MainStreet Bank’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where MainStreet Bank has the most branches. $10,000, best rate first.
This bank’s best
MainStreet Bank
3.90%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $390
Certificates of Deposit
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
MainStreet Bank CD score
85
CD score
Higher than 70% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo3.90%
- 31–60 months31–60 mo3.40%
- QualifiedQualified3.90%
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 MainStreet 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.
Certificates of Deposit
Up to 3.90%APY · 9 terms
Early withdrawal penalty may apply. Fees may reduce earnings. Funds can be withdrawn beginning 7 days after deposit. Automatic rollover at maturity. Fixed rate and term. FDIC insured.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month4 Week term. Minimum to open and obtain APY is $10,000.00 | 1.00% | $8 |
| 3 months13 Week term. Minimum to open and obtain APY is $10,000.00 | 1.00% | $25 |
| 6 months6 Month term. Minimum to open and obtain APY is $500 | 3.85% | $191 |
| 12 months1 Year No Penalty CD. Minimum to open and obtain APY is $500. No early withdrawal penalty | 3.15% | $315 |
| 12 months1 Year term. Minimum to open and obtain APY is $500 | 3.90% | $390 |
| 18 months18 Month term. Minimum to open and obtain APY is $500 | 3.90% | $591 |
| 24 months2 Year term. Minimum to open and obtain APY is $500 | 3.50% | $712 |
| 36 months3 Year term. Minimum to open and obtain APY is $500 | 3.40% | $1,055 |
| 48 months4 Year term. Minimum to open and obtain APY is $500 | 3.40% | $1,431 |
| 60 months5 Year term. Minimum to open and obtain APY is $500 | 3.40% | $1,820 |
Sources (1)
- mstreetbank.com/personal-certificates-of-deposit · captured Oct 4, 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.