# MainStreet Credit Union High Yield Spend: 3.00% APY

Canonical: https://dealaka.com/offers/mainstreet-credit-union-high-yield-spend-rate

- Status: Limited reports
- Bonus: 3.00% APY
- APY: 3.00% (ongoing APY with tiered rates)
- Requirement: $1,000 minimum balance to avoid $10/month fee
- Expires: no published end date
- Availability: KS, MO (KS, MO)
- Institution: Mainstreet Credit Union
- Verified: Aug 12, 2026 against mainstreetcu.org
- Field reports: 0

## 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.

## Requirements
1. Apply through the offer page to open the High Yield Spend.
2. Complete the requirement: $1,000 minimum balance to avoid $10/month fee.

## Fine print that matters
- 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

## Sources
- mainstreetcu.org rate page <https://www.mainstreetcu.org/personal/checking> (checked Aug 12, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._