Why join Mainstreet?

At Mainstreet, we believe in helping you reach your personal goals and dreams through smart financial planning. We don't believe in one-size-fits-all solutions; instead, we take the time to get to know you and tailor our advice and products to fit your unique needs and aspirations.

Whatever your goals, whether it's starting a business, furthering your education, buying your dream home, or preparing for retirement, we're here to support you every step of the way to make sure your goals become reality.

Ready to join Mainstreet?

You could earn up to $250 in referral rewards!* Learn more about our Refer a Friend program where you and the Mainstreet member who referred you can earn exclusive reward dollars.

Chequing Account

$50 Cash


$100 Cash


$50 Cash

Investment Services

$50 Cash

This referral program is open to existing Mainstreet members who refer a new member to Mainstreet Credit Union.

They must be opening a new membership (never been a prior Mainstreet member) and complete one of the following actions:

  • Open a chequing or savings account and either deposit a minimum of $100 in the account (in addition to their membership shares), or set-up a re-occurring pre-authorized debit or credit on their account.
  • Apply and be approved for a Mainstreet mortgage that is a minimum of $50,000 or more (and 2 years or greater in term length)
  • Apply and get approved for a loan of greater than $5,000
  • Start a new investing relationship at Mainstreet of greater than $5,000 in new investments or amount being ported from another investment provider.

For the referrer and referee to qualify for each reward type, the service/product must be opened by the new member and free of any restrictions within 30 days of their membership start date.

The new member (referee) must provide the name and contact info of the member who referred them when booking the appointment and/or during the new member account opening appointment.

The person being referred must never have had a Mainstreet Credit Union account or membership at any time previously to receive the incentive.

Must be at least 13 years of age to participate.

For joint accounts, only the primary account holder will receive the reward.

There is no limit to the amount of referral incentives a Mainstreet member can achieve and the program is on-going with no expiry date.

Mainstreet Credit Union employees, board members, and volunteers, are excluded from the new member incentive.

This program does not apply to brokers and new members coming to Mainstreet through a broker referral.

Experience banking that's invested in you.

We're a co-op

Unlike the banks, we exist for you. Period.

Great rates

We provide great rates and prices on accounts, loans, mortgages, and more, to help you get ahead.

We give advice

As a cooperative we exist solely for you. Without commissions, or the need to make shareholders rich, we can focus solely on what products and services are best for you, nothing else.

We are local

We understand Southwestern Ontario. Decisions are made here. Profits go back to our communities.

We share

When's the last time your bank paid you? Never? We do through our profit-sharing program.

Ready to join Mainstreet?

Sarah & Barry

When purchasing the farm financing wasn’t a pleasant experience, my parents recommended we go to Mainstreet and when we did it was like a breath of fresh air. I was surprised at how I felt cared for as a person and not a number. The employees know you personally and understand the unpredictable nature of farming finances. At Mainstreet we feel invested in… that we matter.

— Sarah & Barry More Stories

Experience cooperative banking that is
Invested in you.