Credit union · NCUA insured
Mainstreet Credit Union Auto Loan Rates
Mainstreet Credit Union auto loans start at 4.99% APR for a new vehicle and 6.24% for a used one. Rates checked October 16, 2026.
How Mainstreet Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Mainstreet Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Mainstreet Credit Union
4.99%APR
- Terms
- up to 63 months
New & Used Vehicle
Lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
Mainstreet Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed6.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mainstreet Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan Refinance
Eligible on vehicles 10 years old or newer when refinancing an existing auto loan from another financial institution. Does not apply to existing Mainstreet loans. A Share Savings Account with a $5 minimum balance is required to establish and maintain membership.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | Receive 0.50% off current auto loan rate when refinancing from another financial institution; lowest available rate is 4.99% APR. Can be combined with Mainstreet's Automatic Payment Rate Discount of 0.25% with automatic transfer from a Mainstreet Spend account. Minimum loan amount $7,500 on vehicles 10 years old or newer. 90-day no-payment deferral may be available for qualified borrowers (interest accrues). Offer valid October 1 through December 31, 2026, with loan funding required no later than Jan 10th. |
Sources (2)
All captured Oct 5, 2026
New & Used Vehicle
100% financing with qualified credit. Model years 2022 & newer. A Share Savings Account with a $5 minimum balance is required to establish and maintain membership.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 4.99% | Model years 2022 & newer. 100% financing with qualified credit. |
| 72–75 months | 5.74% | Model years 2022 & newer. Minimum loan amount $15,000. |
| 76–84 months | 6.24% | Model years 2022 & newer. Minimum loan amount $20,000. |
Sources (1)
- mainstreetcu.org/rates · captured Oct 5, 2026
Used Vehicle
Rates based on creditworthiness and model year. A Share Savings Account with a $5 minimum balance is required to establish and maintain membership.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 6.24% | Model years 2018-2021. |
| 72–75 months | 6.49% | Model years 2018-2021. Minimum loan amount $15,000. |
| 76–84 months | 7.24% | Model year 2021. Minimum loan amount $20,000. |
| up to 48 months | 7.74% | Model years 2017 & older. |
Sources (1)
- mainstreetcu.org/rates · captured Oct 5, 2026
Who can join Mainstreet Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives or works in specified counties across Kansas and Missouri.
Cost to join
- Membership is free and begins with opening a share savings account with a $5 deposit.
Membership information collected October 4, 2026.