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Rates

Discover our competitive rates

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

Which consumer loan rates are you interested in?

Loan Type Model Years Terms  Minimum Loan Amount
APR*
APR = Annual Percentage Rate
New & Used Vehicle
100% Financing with qualified credit
 2023-2025
Up to 63 months

as low as 5.49%


72-75 months
$15,000 minimum
  as low as 5.99%


76-84 months
$20,000
minimum
 as low as 6.99%
Used Vehicle 2019-2022 Up to 63 months
as low as 5.99%  


72-75 months $15,000 minimum as low as 6.49%
Used Vehicle 2016-2018 Up to 63 months
as low as 7.49%
Used Vehicle 2015 & Older Up to 48 months
as low as 8.49%
*All rates are based on applicant's credit worthiness. Rates are effective on date of publication and may be subject to change.
APR = Annual Percentage Rate
A Share Savings Account with a $5 minimum balance is required to establish and maintain membership.
Loan Type
100% financing with qualified credit
 Model Years Terms
 APR*
APR = Annual Percentage Rate
New 2024-2025 Up to 60 months  as low as 8.74%
Used 2023 & Older Up to 48 months  as low as 9.24%

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

Loan Type
100% financing with qualified credit
 Model Years Terms Minimum Loan Amount
APR*
APR = Annual Percentage Rate
New 2023-2025 Up to 63 months
as low as 6.49%


72-75 months $15,000 minimum as low as 6.99%


76-84 months $20,000 minimum as low as 7.99%
Used 2019-2022 Up to 63 months
as low as 6.99%
Used 2019-2022 72-75 months $15,000 minimum as low as 7.49%
Used 2016-2018 Up to 63 months
as low as 8.49%
Used 2015 & Older Up to 48 months
as low as 9.49%

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

Loan Type / Model Years

 Terms

 Minimum Loan Amount
APR* APR = Annual Percentage Rate
New & Used 2024 -2025 Up to 60 months
 $5,000 minimum 7.74%
New & Used 2024-2025 61-120 months $15,000 minimum 8.24%
New & Used 2024-2025 121- 180 months $25,000 minimum 9.24%
Used - 2023 & Older Up to 60 months $5,000 minimum 8.24%
Used - 2019-2023 61 - 120 months $15,000 minimum 8.74%
Used - 2021 - 2023 121 - 180 months $25,000 minimum 9.74%
Loan Type Terms & APR*
APR = Annual Percentage Rate		 Minimum Loan Amount
Signature Up to 36 months as low as 10.75%

Up to 48 months as low as 11.25% $3,000 minimum

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

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%

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

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%

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

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

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

*All rates are based on applicant's credit worthiness. Rates are effective on date of publication and may be subject to change. APR = Annual Percentage Rate

A Share Savings Account with a $5 minimum balance is required to establish and maintain membership.

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