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Rates

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Because we’re not-for-profit, we pay back earnings to you by offering lower loan rates.

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Loan Type Model Years Terms  Minimum Loan Amount
APR
APR = Annual Percentage Rate
New & Used Vehicle
100% Financing with qualified credit
2022-2024
Up to 63 months

as low as 6.74%


72-75 months
$15,000 minimum
 as low as 7.24%


76-84 months
$20,000
minimum
as low as 8.24%
Used Vehicle 2018-2021 Up to 63 months
as low as 7.24%  


72-75 months $15,000 minimum as low as 7.74% **
Used Vehicle 2015-2017 Up to 63 months
as low as 8.74%
Used Vehicle 2015 & Older Up to 48 months
as low as 9.74%

APR = Annual Percentage Rate
Loan Type
100% financing with qualified credit
Model Years Terms
 APR
APR = Annual Percentage Rate
New 2023-2024 Up to 60 months  as low as 8.99%
Used 2022 & Older Up to 48 months  as low as 9.49%
Loan Type
100% financing with qualified credit
Model Years Terms Minimum Loan Amount
APR
APR = Annual Percentage Rate
New 2022-2024 Up to 63 months
as low as 6.74%


72-75 months $15,000 minimum as low as 7.24%


76-84 months $20,000 minimum as low as 8.24%
Used 2018-2021 Up to 63 months
as low as 7.24%
Used 2018-2021 72-75 months $15,000 minimum as low as 7.74%
Used 2015-2017 Up to 63 months
as low as 8.74%
Used 2014 & Older Up to 48 months
as low as 9.74%
Loan Type / Model Years

Terms

Minimum Loan Amount
APR (as low as) APR = Annual Percentage Rate
New & Used 2023 -2024 Up to 60 months
$5,000 minimum 7.99%
New & Used 2023-2024 61-120 months $15,000 minimum 8.49%
New & Used 2023-2024 121- 180 months $25,000 minimum 9.49%
Used - 2022 & Older Up to 60 months $5,000 minimum 8.49%
Used - 2018-2022 61 - 120 months $15,000 minimum 8.99%
Used - 2020 - 2022 121 - 180 months $25,000 minimum 9.99%
Loan Type: 100% financing with qualified credit
APR = Annual Percentage Rate
Loan rates (APRs) are effective on date of publication and may be subject to change. Actual loan rate (APR) may be higher than listed rate based on credit qualifications of applicant(s). Extended term financing may be available based on loan amount, with qualified credit. Please contact for details.

Loan Type Terms & APR
APR = Annual Percentage Rate
Minimum Loan Amount
Signature Up to 36 months as low as 11.00%


Up to 48 months as low as 11.50% $3,000 minimum
Loan Type
Terms & APR 
APR = Annual Percentage Rate
Savings Secured
(secured by compensating funds on deposit at Mainstreet CU)
Up to 48 months - Share Rate + 3.00%
Certificate Secured
(secured by compensating funds on deposit at Mainstreet CU)
Match Certificate Term - Certificate rate + 3.00%


Loan Type Term Minimum Loan Amount
APR
APR = Annual Percentage Rate
Home Equity Fixed Rate 60-180 months
Call for rates
Home Equity Line of Credit
$7,500 minimum Rates as low as Wall Street Prime +1/2%
Loan Type
Terms & APR
APR = Annual Percentage Rate
Minimum Loan Amount
Platinum Mastercard®
as low as 9.99%

$500 minimum
Select Rewards Mastercard® as low as Prime + 7% $500 minimum












Rates are effective on date of publication and may be subject to change.
*All rates are based on applicant's credit worthiness.
A Share Savings Account with a $5 minimum balance is required to establish and maintain membership.