| Credit Score |
Type of Loan |
Interest Rate
80.01% - 89% LTV |
Interest Rate
80% and Less LTV |
APR
80.01% - 89% LTV |
APR
80% and Less LTV |
| 751 and Above |
Home Equity Installment Loan 1st Lien3 |
NA |
6.500% |
NA |
6.650% |
| 751 and above |
Home Equity Installment Loan 2nd Lien4 |
7.000% |
6.750% |
7.310% |
7.060% |
| 675 and above |
Home Equity Line of Credit Special5 |
4.990% |
4.990% |
|
|
| 751 and above |
Home Equity Line of Credit6 |
Prime Rate Plus 0.500% |
Prime Rate |
|
|
3. Home Equity Installment Loan, First Lien - All lending products are subject to credit review and approval. Your actual Annual Percentage Rate (APR) may be higher and will be based on your credit qualifications, and loan amount. Example above has a rate based on a 751 and higher credit score with a $50,000 loan amount. $395 origination fee.. The term is for 15 years. Maximum APR of 18.000%, minimum APR of 5.00%. The APR rates are based on loan to value, and credit score. All rates subject to an automatic transfer of a monthly payment. This transfer must be from a Main Street Bank account. Rates are accurate as of 11-04-2025. Rates subject to change at any time. You may call 800.414.1103 to determine if these rates have changed.
4. Home Equity Installment Loan, Second Lien - All lending products are subject to credit review and approval. Your actual Annual Percentage Rate (APR) may be higher and will be based on your credit qualifications, and loan amount. Example above has a rate based on a 751 and higher credit score with a $25,000 loan amount. $395 origination fee. The term is for 15 years. Maximum APR of 18.000%, minimum APR of 5.00%. The APR rates are based on loan to value, and credit score. All rates subject to an automatic transfer of a monthly payment. This transfer must be from a Main Street Bank account. Rates are accurate as of 11-04-2025. Rates subject to change at any time. You may call 800.414.1103 to determine if these rates have changed.
5. Home Equity Line of Credit Special - All lending products are subject to credit review and approval. The introductory rate of 4.990% Annual Percentage Rate (APR) is valid for 12 months from the note date. Your actual APR may be higher and will be based on your credit qualifications, and loan amount. Example above has a rate based on a 675 and higher credit score with a $25,000 loan amount. Loan term is 25 years, (draw period of 10 years; repayment period of 15 years). $395 origination fee. $75 annual fee, waived the first year. APR may vary. Maximum APR of 18.000%, minimum APR of 5.00%. After the promotional period, this loan becomes an adjustable rate, (variable). The APR rates are based on The Wall Street Journal Prime, loan to value, and credit score. All rates subject to an automatic transfer of a monthly payment. This transfer must be from a Main Street Bank account. Rates are accurate as of 11-04-2025. Rates subject to change at any time. You may call 800.414.1103 to determine if these rates have changed.
6. Home Equity Line of Credit - All lending products are subject to credit review and approval. Your actual Annual Percentage Rate (APR) may be higher and will be based on your credit qualifications, and loan amount. Example above has a rate based on a 675 and higher credit score with a $25,000 loan amount. Loan term is 25 years, (draw period of 10 years; repayment period of 15 years). $395 origination fee. $75 annual fee, waived the first year. APR may vary. Maximum APR of 18.000%, minimum APR of 5.00%. After the promotional period, this loan becomes an adjustable rate, (variable). The APR rates are based on The Wall Street Journal Prime, loan to value, and credit score. All rates subject to an automatic transfer of a monthly payment. This transfer must be from a Main Street Bank account. Rates are accurate as of 11-04-2025. Rates subject to change at any time. You may call 800.414.1103 to determine if these rates have changed.