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Main Street Bank (MA)

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CURRENT TOP RATE

25 Month CD Special (New Money)

Overview / Commentary

bankmainstreet.com

508-481-8300

81 Granger Boulevard
Marlborough, MA 01752

Main Street Bank (MA) is headquartered in Marlborough and is the 40^th largest bank in the state of Massachusetts. It is also the 760^th largest bank in the nation. It was established in 1860 and as of December of 2018, it had grown to 190 employees at 13 locations. Main Street Bank (MA)'s CD rates are 2X the national average, and it has an A health rating.

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Health

A

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	90235
Year Established	1860
Employees	190
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.63%
Return on Equity - YTD	5.43%
Annual Interest Income	$40.7MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$1.03B$1.00B
Loans	Q4 2018vs Q4 2017	$796.4MM$740.9MM
Deposits	Q4 2018vs Q4 2017	$867.8MM$824.8MM
Equity Capital	Q4 2018vs Q4 2017	$118.6MM$116.4MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$5.8MM$4.6MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$3.2MM$2.6MM
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Main Street Bank (MA) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.89%	$10	-	IOLTA
1.00%^*	-	$50k	Kasasa Saver
OTHER TIERS: 0.20% → $50k+
0.40%	$500	-	Educational IRA
0.40%^*	$250k^*	-	Advantage Savings
OTHER TIERS: 0.10% → $10 - $10k \| 0.15% → $10k - $25k \| 0.25% → $25k - $50k \| 0.30% → $50k - $100k \| 0.35% → $100k - $250k
0.40%^*	$250k^*	-	Hybrid Savings
OTHER TIERS: 0.10% → $10 - $10k \| 0.15% → $10k - $25k \| 0.25% → $25k - $50k \| 0.30% → $50k - $100k \| 0.35% → $100k - $250k
0.40%^*	$250k^*	-	18/65 Hybrid Savings
OTHER TIERS: 0.10% → $10 - $10k \| 0.15% → $10k - $25k \| 0.25% → $25k - $50k \| 0.30% → $50k - $100k \| 0.35% → $100k - $250k
0.40%^*	$250k^*	-	18/65 Advantage Savings
OTHER TIERS: 0.10% → $10 - $10k \| 0.15% → $10k - $25k \| 0.25% → $25k - $50k \| 0.30% → $50k - $100k \| 0.35% → $100k - $250k
0.40%^*	$250k^*	-	Business Advantage Savings
OTHER TIERS: 0.10% → $10 - $10k \| 0.15% → $10k - $25k \| 0.25% → $25k - $50k \| 0.30% → $50k - $100k \| 0.35% → $100k - $250k
0.10%	$10	-	Passbook Savings
0.10%	$10	-	Holiday Savings Account
0.10%	$10	-	Business Passbook Savings

Main Street Bank (MA) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.60%^*	$1m^*	-	Money Market
OTHER TIERS: 0.25% → $10 - $10k \| 0.30% → $10k - $25k \| 0.35% → $25k - $50k \| 0.40% → $50k - $100k \| 0.45% → $100k - $250k \| 0.50% → $250k - $500k \| 0.55% → $500k - $1m
0.60%^*	$1m^*	-	Business Money Market
OTHER TIERS: 0.25% → $10 - $10k \| 0.30% → $10k - $25k \| 0.35% → $25k - $50k \| 0.40% → $50k - $100k \| 0.45% → $100k - $250k \| 0.50% → $250k - $500k \| 0.55% → $500k - $1m
0.60%^*	$1m^*	-	Money Market IRA
OTHER TIERS: 0.25% → $10 - $10k \| 0.30% → $10k - $25k \| 0.35% → $25k - $50k \| 0.40% → $50k - $100k \| 0.45% → $100k - $250k \| 0.50% → $250k - $500k \| 0.55% → $500k - $1m

Main Street Bank (MA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%^*	-	$20k	Kasasa Cash Checking
OTHER TIERS: 0.20% → $20k+
0.40%^*	$250k^*	-	Business Advantage Checking
OTHER TIERS: 0.10% → $10k - $25k \| 0.15% → $25k - $50k \| 0.20% → $50k - $100k \| 0.30% → $100k - $250k
0.10%	$10	-	Interest Checking
0.10%	$10	-	18/65 Checking

Main Street Bank (MA) CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.78%	$1k	-	25 Month CD Special (New Money)
2.53%	$1k	-	60 Month CD
2.53%	$1k	-	17 Month CD Special (New Money)
2.43%	$1k	-	48 Month CD
2.32%	$1k	-	36 Month CD
2.22%	$1k	-	24 Month CD
2.12%	$1k	-	18 Month CD
2.02%	$1k	-	12 Month CD
1.26%	$1k	-	6 Month CD
0.60%	$1k	-	3 Month CD

Main Street Bank (MA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.78%	$1k	-	25 Month IRA Special (New Money)
2.53%	$500	-	60 Month Roth IRA
2.53%	$500	-	17 Month IRA Special (New Money)
2.43%	$500	-	48 Month IRA
2.32%	$500	-	36 Month IRA
2.22%	$500	-	24 Month IRA
2.12%	$500	-	18 Month IRA
2.02%	$500	-	12 Month IRA
1.26%	$500	-	6 Month IRA

Locations

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Boston Area

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