Text Size

Rates

Young family check rates using a laptop

Savings / Checking Rates

Personal Loan Rates

Mortgage Loan Rates

Home Equity Loan Rates

 

Savings / Checking Rates

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

Savings Account Rates

Account Minimum Balance Dividend Rate Annual Percentage Yield Credited and Compounded
Share/Savings Account $5 par value of one (1) share 0.15% 0.15% Quarterly
Mainstreet CU Membership Requirements = Minimum deposit of $5 to open Share Savings Account.
$olid $avers Account $5 0.15% 0.15% Quarterly
$olid $avers Account - Youth Savings Accounts for members ages 0-19 years. Minimum deposit $5.
Secondary Share & Christmas Club 0 0.15% 0.15% Quarterly
Escrow Accounts 0 0.15% 0.15% Quarterly
Money Market Advantage* $2,500 - 9,999 0.15% 0.15% Monthly
  $10,000 - 24,999 0.20% 0.20% Monthly
  $25,000 - 49,999 0.25% 0.25% Monthly
  $50,000 - 74,999 0.35% 0.35% Monthly
  $75,000 - 99,999 0.45% 0.45% Monthly
  $100,000 & over 0.45% 0.45% Monthly
InvestAccount** $1,000 - 9,999 0.15% 0.15% Monthly
  $10,000 - 19,999 0.20% 0.20% Monthly
  $20,000 - 29,999 0.25% 0.25% Monthly
  $30,000 & over 0.30% 0.30% Monthly

* Requires a minimum of $2,500 to open, account is subject to $10 monthly fee if the balance falls below the minimum requirement. 
**Existing accounts only, new InvestAccounts are no longer available. Account is subject to $10 monthly fee if balance falls below minimum requirement.

Share Certificate Rates***

Account Minimum Balance Dividend Rate Annual Percentage Yield Credited and Compounded
6 month term $500 0.30% 0.30% Quarterly
12 month term $500 0.55% 0.55% Quarterly
24 month term $500 0.70% 0.70% Quarterly
36 month term $500 0.90% 0.90% Quarterly
48 month term $500 1.20% 1.20% Quarterly
60 month term $500 1.44% 1.45% Quarterly
$olid $aver Certificate 6 month term $250 0.30% 0.30% Quarterly
$olid $aver Certificate 12 month term $250 0.55% 0.55% Quarterly

Individual Retirement Arrangements (IRAs) and Education Savings (ESAs)***

Account Minimum Balance Dividend Rate Annual Percentage Yield Credited and Compounded
Variable Rate   0.30% 0.30% Quarterly
Certificate
6 month term $500 0.30% 030% Quarterly
12 month term $500 0.55% 0.55% Quarterly
24 month term $500 0.70% 0.70% Quarterly
36 month term $500 0.90% 0.90% Quarterly
48 month term $500 1.20% 1.20% Quarterly
60 month term $500 1.44% 1.45% Quarterly

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.

Checking Account Rates

Account Minimum Balance Dividend Rate Annual Percentage Yield Credited and Compounded
Prime Checking $500 0.10% 0.10% Monthly
Classic Club Checking (age 55+) 0 0.10% 0.10% Monthly

Non-dividend-bearing regular checking accounts also available.

Personal Loan Rates

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).

Vehicle Loan Rates

Type Years Term APR-Annual Percentage Rate
New and Used      
  2012-14 1-63 months 2.49-12.24%
  2012-14 72-75 months (Min. Loan $15k) As low as 2.99%
Used      
  2008-11 1-63 months 2.99-12.74%
  2008-11 72-75 months (Min. Loan $15k) As low as 3.49%
  2005-07 1-63 months 4.49-14.24%
  2004 & Older 1-48 months 5.49-15.24%
       

100% financing is available with qualified credit. 
Rate is based on applicant's credit worthiness
Extended term financing may be available for loans $20,000.00 or greater with qualified credit. Please contact for details. 

Motorcycles, Jet Skis, ATV Loan Rates

Type Years Term APR-Annual Percentage Rate
New 2013-14 1-60 months 6.25-16.00%
Used  2012 & Older 1-48 months 6.75-16.25%

100% financing is available with qualified credit.
Rate is based on applicant's credit worthiness.

Harley Davidson Motorcycle Loan Rates

Type Years Term APR-Annual Percentage Rate
New and Used      
  2012-14 1-63 months 2.49-9.24%
  2012-14 72-75 months (Min. Loan $15k) As low as 2.99%
Used      
  2008-11 1-63 months 2.99-9.74%
  2008-11 72-75 months (Min. Loan $15k) As low as 3.49%
  2005-07 1-63 months 4.49-11.24%
  2004 & Older 1-48 months 5.49-12.24%
       

100% financing is available with qualified credit.
Rate is based on applicant's credit worthiness.

Boats, Motor Homes, Travel Trailer Loan Rates

Type Years Term APR-Annual Percentage Rate
New 2013-14 1-60 months (Min. Loan $5k) 6.75-10.25%
    61-120 months (Min. Loan $15k) 8.50-11.25%
    121-180 months (Min. Loan $25k) 8.50-10.75%
Used  2012 & Older 1-60 months (Min. Loan $5k) 7.00-11.00%
    61-120 months (Min. Loan $15k) 8.75-11.75%
    121-180 months (Min. Loan $25k) 9.00-11.25%

100% financing is available with qualified credit.
Rate is based on applicant's credit worthiness.
Extended term financing may be available based on the loan amount, with qualified credit. Please contact for details. 

 

Other Loan Rates

Type Term APR-Annual Percentage Rate
Furniture, Appliances, Computer (new purchase only) 1-36 months 8.00-18.00%
  37-48 months (Min. Loan $3k) 8.50-18.00%
Savings Secured Flexible Terms 5.50%
Signature Loans 1-36 months 8.00-20.50%
Platinum MasterCard® Credit Card 9.99-14.95% APR

100% financing is available with qualified credit.
Rate is based on applicant's credit worthiness.
Extended term financing may be available for loans $3,000.00 or greater with qualified credit. Please contact for details. 

_Home Equity Loan Rates

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

Type Terms APR-Annual Percentage Rate
Fixed Rate Second Mortgage 60-180 months Rates as low as  3.25%
Home Equity Line of Credit 60, 120, 180 months Rates as low as Wall Street Prime + 1.00%