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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 
APR
New & Used Vehicle
100% Financing with qualified credit
2021-2023
Up to 63 months
as low as 6.24%


72-75 months
 as low as 6.74% **


76-84 months
as low as 7.74%***
Used Vehicle 2017-2020 Up to 63 months as low as 6.74%  


72-75 months as low as 7.24% **
Used Vehicle 2014-2016 Up to 63 months as low as 8.24%
Used Vehicle 2013 & Older Up to 48 months as low as 9.24%

APR = Annual Percentage Rate
Loan Type
100% financing with qualified credit
Model Years Terms
 APR
APR = Annual Percentage Rate
New 2022-2023 Up to 60 months  as low as 8.49%
Used 2021 & Older Up to 48 months  as low as 8.99%
Loan Type
100% financing with qualified credit
Model Years Terms
APR
APR = Annual Percentage Rate
New 2021-2023 Up to 63 months as low as 6.24%


72-75 months as low as 6.74%**


76-84 months as low as 7.74%***
Used 2013 & Older Up to 48 months as low as 9.24%
Loan Type / Model Years

Terms

APR (as low as)
New & Used 2022 -2023 Up to 60 months
7.49%*
New & Used 2022-2023 61-120 months 7.99%**
New & Used 2022-2023 121- 180 months 8.99%****
Used - 2021 & Older Up to 60 months 7.74%*
Used - 2017-2021 61 - 120 months 8.49%*
Used - 2019 & 2021 121 - 180 months 9.49%*
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.
*5K minimum / **15K minimum / ***$20K minimum / ****$25K minimum 
Loan Type Terms & APR
APR = Annual Percentage Rate
Signature Up to 36 months as low as 11.00%
Up to 48 months as low as 11.50%
Loan Type Terms & APR
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 CD Term - CD rate + 3.00%
Platinum Mastercard®
Select Rewards Mastercard®
as low as 9.99%
as low as Prime + 7%
Loan Type Term APR
Home Equity Fixed Rate 60-180 months Call for rates
Home Equity Line of Credit
Rates as low as Wall Street Prime +1/2%













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