{"slug":"mainstreet-credit-union-high-yield-spend-rate","category":"bank","institutionSlug":"mainstreet-credit-union","product":"High Yield Spend","title":"MainStreet Credit Union High Yield Spend: 3.00% APY","bonus":"3.00% APY","unit":"cash","amount":0,"reqShort":"$1,000 minimum balance to avoid $10/month fee","expiresOn":null,"status":"live","verifiedOn":"2026-08-12","reports":0,"openIssues":0,"states":["KS","MO"],"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"","applyDomain":"mainstreetcu.org","applyUrl":"https://www.mainstreetcu.org/personal/checking","summary":"High Yield Spend checking earns a competitive APY starting at 3.00% with tiered rates applied. Requires $1,000 minimum balance to avoid a $10 monthly fee. Must make 25 debit card transactions monthly or have monthly direct deposit of at least $500 via two ACH deposits to earn dividends.","reqSteps":[],"finePrint":["All rates, terms, and conditions are subject to change without prior notice","Membership savings required upon approval","Tiered rates apply","If qualifications not met: 0.00% APY"],"apy":300,"apyTerm":"ongoing APY with tiered rates","listedOn":"2026-08-12","listedAt":"2026-08-12T13:08:06.065Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"mainstreetcu.org rate page","url":"https://www.mainstreetcu.org/personal/checking","checkedOn":"2026-08-12"}],"needsVerification":false}