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Rates are effective as of 11/23/2020

Account Product Name Minimum Opening Deposit Interest Rate Annual Percentage Yield (APY)
Now Personal Checking Account1 $1,000 0.05% 0.05%
The minimum daily balance required to obtain the Now Personal Checking Account APY is $1,000.00
Money Market Account1 $1,000 0.05% 0.05%
The minimum daily balance required to obtain the Main Money Account APY is $2,500.00
Main Money1 Business      
   $2,500.00 - $9,999.99   0.05% 0.05%
   $10,000 - $24,999.00   0.05% 0.05%
   $25,000 - $49,999.99   0.10% 0.10%
   $50,000 - $999,999.99   0.10% 0.10%
   $1,000,000.00 - Over   0.10% 0.10%
MainStay Savings Account 3  $100 0.00% 0.00%
   $100 - $2,499.99   0.20% 0.20%
   $2,500 - Over   0.25% 0.25%
Health Savings Accounts under $100 0.00% 0.00%
   $100 - $2,499.99   0.05% 0.05%
   $2,500 - $9,999.99   0.05% 0.05%
   $10,000 - $24,999.00   0.07% 0.07%
   $25,000 - $49,999.99   0.07% 0.07%
   $50,000 - $99,999.99   0.10% 0.10%
   $100,000 - Over   0.10% 0.10%
Personal Savings1 $100 0.05% 0.05%
The minimum daily balance required to obtain the Personal Savings APY is $100.00
Basic Business Checking Plus Interest1 $750 0.05% 0.05%
The minimum daily balance required to obtain the Basic Business Checking Plus APY is $1,000.00
       
Basic Business Savings1,2 $500 0.05% 0.05%
Basic MMA $100 0.05% 0.05%
Premium MMA $5,000 0.05% 0.05%
Silver MMA $10,000 0.05% 0.05%
Gold $50,000 0.10% 0.10%
Platinum $100,000 0.10% 0.10%
The minimum daily balance required to obtain the Basic Business Savings APY is $500.00

 

1. The interest rate and the annual percentage yield may change after account opening. Main Money Accounts are also available for consumers. Please call (505) 880-1700 for current rates.

2. The minimum daily balance required to obtain the APY is $500.00 for Business Savings.3. The minimum daily balance required to obtain the higher APY is $2,500.00 for Mainstay Savings.Fees could reduce the earnings on all accounts. We reserve the right at any time to require not less than 7 days' notice in writing before any withdrawals from an interest-bearing account.

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