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Mainstreet Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/30/2025
4.20%
Our Rating
3.8  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/30/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/30/2025
3.50%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/30/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/30/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.mainstreetcu.org
913-599-1010
13001 W 95th St
Lenexa, KS 66215

Mainstreet Federal Credit Union is headquartered in Lenexa and is the 7th largest credit union in the state of Kansas. It is also the 611th largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 134 employees and 55,609 members at 12 locations. Mainstreet Federal Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Mainstreet Credit Union is open to those who live or work in the Kansas counties of Douglas, Franklin, Johnson, Leavenworth, Linn, Miami, or Wyandotte; or the Missouri counties of Bates, Caldwell, Cass, Clay, Clinton, Jackson, Lafayette, Platte, or Ray.
See current membership details

Reviews

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #24858
Year Chartered1953
Employees134
Primary Regulator
Profit Margin
Return on Assets - YTD0.47%
Return on Equity - YTD8.27%
Annual Interest Income$7.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$699.9MM$675.9MM
LoansQ1 2025vs Q1 2024$390MM$369MM
DepositsQ1 2025vs Q1 2024$613.4MM$589.6MM
Equity CapitalQ1 2025vs Q1 2024$39.4MM$27.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$3MM$2.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.5MM$1MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/30/2025
4.20%
Our Rating
3.8  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/30/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/30/2025
3.50%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/30/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/30/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Mainstreet Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$5-Share/Savings Account
0.15%$0-Christmas Club
0.15%$5-Youth Savers Account
0.15%$5-Business Share/Savings Account
0.05%$0-Escrow Account

Mainstreet Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.20%*$100k*-Money Market Advantage
OTHER TIERS: 0.40% → $2.5k - $10k | 0.50% → $10k - $25k | 0.80% → $25k - $50k | 0.90% → $50k - $75k | 1.00% → $75k - $100k
1.20%*$100k*-Business Money Market Account
OTHER TIERS: 0.40% → $2.5k - $10k | 0.50% → $10k - $25k | 0.80% → $25k - $50k | 0.90% → $50k - $75k | 1.00% → $75k - $100k

Mainstreet Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$500-Prime Checking
0.10%$0-Classic Club Checking
0.10%$5k-Business Advantage Checking
0.10%$5k-Business Optimum Checking

Mainstreet Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.26%$500-14 Month Share Certificate Special
3.90%$500-6 Month Share Certificate
3.90%$250-6 Month Youth Certificate
3.90%$500-Business 6 Month Share Certificate
3.64%$500-12 Month Share Certificate
3.64%$250-12 Month Youth Certificate
3.64%$500-Business 12 Month Share Certificate
3.50%$500-24 Month Share Certificate
3.50%$500-Business 24 Month Share Certificate
3.25%$500-36 Month Share Certificate
3.25%$500-Business 36 Month Share Certificate
3.00%$500-48 Month Share Certificate
3.00%$500-Business 48 Month Share Certificate
2.90%$500-60 Month Share Certificate
2.90%$500-Business 60 Month Share Certificate

Mainstreet Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.26%$500-14 Month IRA Certificate Special
3.90%$500-6 Month IRA Certificate
3.64%$500-12 Month IRA Certificate
3.50%$500-24 Month IRA Certificate
3.25%$500-36 Month IRA Certificate
3.00%$500-48 Month IRA Certificate
2.90%$500-60 Month IRA Certificate
0.20%$0- IRA Account
Locations

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