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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
2020-2022
Up to 63 months
as low as 3.49%


72-75 months
 as low as 3.99% **


76-84 months
as low as 4.99%***
Used Vehicle 2016-2019 Up to 63 months as low as 3.99%  


72-75 months as low as 4.49% **
Used Vehicle 2013-2015 Up to 63 months as low as 5.49%
Used Vehicle 2012 & Older Up to 48 months as low as 6.49%

APR = Annual Percentage Rate
Loan Type
100% financing with qualified credit
Model Years Terms
 APR
APR = Annual Percentage Rate
New 2021-2022 Up to 60 months  as low as 5.74%
Used 2020 & Older Up to 48 months  as low as 6.24%
Loan Type
100% financing with qualified credit
Model Years Terms
APR
APR = Annual Percentage Rate
New 2020-2022 Up to 63 months as low as 3.49%


72-75 months as low as 3.99%**


76-84 months as low as 4.99%***
Used 2012 & Older Up to 48 months as low as 6.49%
Loan Type / Model Years

Terms

APR (as low as)
New & Used 2021-2022 Up to 60 months
4.74%*
New & Used 2021-2022 61-120 months 5.24%**
New & Used 2021-2022 121- 180 months 6.24%****
Used - 2020 & Older Up to 60 months 5.24%*
Used - 2016-2020 61 - 120 months 5.74%*
Used - 2018 & 2020 121 - 180 months 6.74%*
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 9.00%
Up to 48 months as low as 9.50%
Loan Type Terms & APR
Savings Secured
(secured by compensating funds on deposit at Mainstreet CU)
Up to 48 months - Share Rate + 3.00%
CD 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 Rate as low as 4.75%
Home Equity Line of Credit 60, 120, 180 months 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.