Rates are effective as of 01/11/2021
| 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 |
|
0.20% |
0.20% |
| 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.