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Loan Rates

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Loan Type

Model Years

Terms & Annual Percentage Rate (APR)

New & Used Vehicle
100% Financing with qualified credit

2015-2017 Up to 63 months as low as 2.74%
72-75 months as low as 3.24% **
76-84 months as low as 4.24%***
Used Vehicle 2011-2014 Up to 63 months as low as 3.24% **
72-75 months as low as 3.74% **
Used Vehicle
2008-2010 Up to 63 months as low as 4.74%
Used Vehicle
2007 & Older Up to 48 months as low as 5.74%

Motorcycles, Jet Skis, ATV
80% Financing with qualified credit


NEW 2016-2017 Up to 60 months as low as 6.25%
USED
2015 & Older Up to 48 months as low as 6.75%

Harley Davidson Motorcycle
100% Financing with qualified credit  


New 2015-2017 Up to 63 months as low as 2.74%
72-75 months as low as 3.24%**
76-84 months as low as 4.24%***

Used 2007 & Older Up to 48 months as low as 5.74%

Boats, Motor Homes, Travel Trailer Loan Rates
80% Financing with qualified credit.


New & Used

2016-2017 Up to 60 months as low as 6.75%*
61-120 months as low as 8.50%**
121- 180 months as low as 8.50%***
Used 2015 & Older Up to 60 months as low as 7.00%*

Used 2011-2015 61 - 120 months as low as 8.75%*
Used
2013 & 2015 121 - 180 months as low as 9.00%****

Other Loan Rates


Signature

Up to 36 months as low as 8.25%
Up to 48 months as low as 8.75%
Savings Secured
(secured by compensating funds on deposit at Mainstreet CU)

Up to 48 months as low as 3.15%
CD Secured
(secured by compensating funds on deposit at Mainstreet CU)

Match CD Term - CD rate + 3.00%
Platinum Mastercard®

as low as 9.99%

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.

*5K minimum / **15K minimum / ***$20K minimum / ****$25K minimum 

Savings & Checking Rates

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Savings

(credited and compounded quarterly)

Dividend Rate


APY

APY = Annual Percentage Yield

Min Balance to Earn APY


Share/Savings Account 0.15% 0.15% $5
Youth Savings (Goal Getters) 0.15%
0.15%
$5
Christmas Club 0.15%
0.15%
$5
Escrow Accounts 0.15%
0.15%
$5
***IRA Savings 0.30%
0.30%
$5

*Money Market Advantage

(credited and compounded monthly)



0.15%


0.15%


$2,500-$9,999

0.20%
0.20%
$10,000-$24,999

0.25%
0.25%
$25,000-$49,999

0.35%
0.35%
$50,000-$74,999

0.45%
0.45%
$75,000-$99,999

0.45%
0.45%
$100,000 & over

*Invest Account
(credited and compounded monthly)



0.15%


0.15%


$1,000-$9,999

0.20%
0.20%
$10,000-$19,999

0.25%
0.25%
$20,000-$29,999

0.30%
0.30%
$30,000 & over

Checking

(credited and compounded monthly)

Dividend Rate

APY

Min Balance to earn APY


**Prime Checking 0.10% 0.10% $500
Classic Club Checking 0.10%
0.10%
$0.00 - Age 55 and older

* Requires a minimum of $2,500 to open, account is subject to $10 monthly fee if the balance falls below the minimum requirement.

(Existing InvestAccounts accounts only, new InvestAccounts are no longer available)

** A monthly service fee of $10.00 if balance is less than $500 at any time of the month.
***Contributions to Roth and traditional IRAs up to $5,000/year. "Catch-up" contribution option for individuals age 50 or older.

A penalty may be assessed in the event of any early withdrawal.

Rates are effective on date of publication and may be subject to change.

Term Certificate Rates

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***Share Certificates

(credited and compounded quarterly)

Dividend Rate


APY

APY = Annual Percentage Yield

Min Balance to Earn APY


6 month term 0.30% 0.30% $500
12 month term 0.55%
0.55%
$500
24 month term
0.70%
0.70%
$500
36 month term
0.90%
0.90%
$500
48 month term
1.20%
1.20%
$500
60 month term
1.44%
1.45%
$500
Youth Certificate 6 month term 0.30%
0.30%
$250
Youth Certificate 12 month term
0.55%
0.55%
$250

***IRA Certificates
(credited and compounded quarterly)

Dividend Rate

APY

Min Balance to Earn APY

6 month term .30%
0.30%
$500
12 month term 0.55%
0.55%
$500
24 month term 0.70% 0.70%
$500

***A penalty may be assessed in the event of any early withdrawal.

Rates are effective on date of publication and may be subject to change.

Home Loans

Mortgage Loan Rates

Click here for current Mortgage Loan Rates, Calculators, FAQ's, Fees, and to start you application (main tab). 

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Home Equity Loan

Term

APR - Annual Percentage Rate

Home Equity Fixed Rate 60-180 months Rate as low as 3.75%
Home Equity Line of Credit 60, 120, 180 months Rates as low as Wall Street Prime + 1.00%

Rates are effective on date of publication and may be subject to change.

*All rates are based on applicant's credit worthiness.