Mainstreet Credit Union Limited
Personal, business, and ag banking in small-town Ontario
Overview
No detailed description available.
Founded
2014
Members
25000
Assets
$1.1 billion
Branches
11
Current Rates
Verified (Official Source)· Last checked Apr 16, 2026 (2d ago)
High Interest Savings0.90%up to
1-Year GIC2.95%
3-Year GIC3.40%
5-Year Fixed Mortgage4.09%
GIC Rate Ladder
| Term | Rate |
|---|---|
| 1-Year GIC | 2.95% |
| 3-Year GIC | 3.40% |
| 5-Year GIC | 3.50% |
Pros
- • Solid savings rate of 0.9%
- • Surcharge-free ATM access through THE EXCHANGE Network
- • Open to all Canadians — easy to join
- • Full wealth management and investment services available
Cons
- • Limited digital banking features compared to larger institutions
Best For
Residents of ON looking for a local banking alternativeHomebuyers seeking competitive mortgage ratesMembers wanting full-service banking with investment options
Products & Accounts
Chequing
Savings
GICs
RRSP
TFSA
RRIF
Mortgages
Personal Loans
Credit Cards
Business
Investments
Insurance
Membership Eligibility
StatusRestricted
Requirements:
Ontario residents
Open to residents of Ontario. Membership requires purchase of a membership share.
Membership Share (Fee)$5 share purchase
Deposit Protection
Insuring Body
FSRA
Coverage Limit
$250,000 per category
Financial Services Regulatory Authority of Ontario (FSRA) insures eligible deposits up to $250,000 per category at Ontario credit unions.
Digital & Access
- Mobile App
- Online Banking
- Interac e-Transfer
- ATM NetworkTHE EXCHANGE Network
- Digital Ratingfair
About This Data
Rate and eligibility data is gathered from official credit union websites and verified comparison sources. Always verify rates directly on the official website before making financial decisions.
Official Website