Certificates of Deposit

Seeking to earn interest on balances of large proportion or more nominal amounts, look to MainStreet Bank’s options for certificates of deposit and CDARS®. Through either option, everything is managed right through MainStreet Bank. Start a Certificate of Deposit or a CDARS today and watch your balances grow.

Certificate of Deposit

Minimum to Open
Open a Certificate of Deposit with as little as $500.00 Choose the maturity that best suits your needs. All Certificates of Deposits are insured by the Federal Deposit Insurance Corp. (FDIC) for up to $250,000** per depositor.

Minimum Balance to Obtain APY
Planning on maintaining higher balances?

Interest Rate

Our Interest Rates* are posted daily. Special terms and rates apply on deposits of more than $250,000.

FDIC Insurance

No problem, we’ll make sure that the FDIC coverage is there for you, no matter the amount.



Want a CD?

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Through the Certificate of Deposit Account Registry Service® , or CDARS® , MainStreet Bank offers you a safe, convenient opportunity to put your cash to work, by providing you with access to multi-million-dollar FDIC insurance, the security of working with a trusted, local source, CD-level Interest Rates*, management convenience, and simplified record keeping by receiving a 1099 form directly from MainStreet Bank for all of your CDARS deposits.

How it works:

1. Everything is handled directly through MainStreet Bank.

2. Your large deposit is broken into smaller amounts and placed with other banks that are members of the CDARS® Network.

3. Those banks issue CDs in amounts under the standard FDIC insurance maximum, so that your investment is eligible for FDIC protection.

Want to Join CDARS?

Get Started

Additional products and services available at our branch locations.

*See our Annual Percentage Yields (APY) for Certificates of Deposit and CDARS. Fees may reduce earnings. **Click Here for important FDIC information.