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?
Vehicle Loans
| 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 6.24% |
|
|
72-75 months
|
$15,000 minimum
|
as low as 6.74% | |
|
|
76-84 months
|
$20,000
minimum
|
as low as 7.74% | |
| Used Vehicle | 2018-2021 | Up to 63 months | as low as 6.74% |
|
| 72-75 months | $15,000 minimum | as low as 7.24% ** | ||
| Used Vehicle | 2015-2017 | Up to 63 months | as low as 8.24% | |
| Used Vehicle | 2015 & Older | Up to 48 months | as low as 9.24% |
APR = Annual Percentage Rate
Motorcycle, Jet Skis, ATV Loans
|
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% |
Harley-Davidson Motorcycle Loans
|
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% |
Boat, Motor Home, Travel Trailer Loans
| 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.
Signature/Personal Loans
| 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 |
Secured Loans
Savings Secured & Certificate Secured
| 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% |
Home Equity Loans
| 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% |
Mastercard® Credit Cards
| 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.