Beginning April 1st
Putting our Mission to Work for You
Mainstreet has expanded financial counseling, introduced new member-focused accounts, and refreshed our brand to demonstrate our commitment to supporting every member's progress, regardless of where you begin.
Certified Credit Union Financial Counselor
Expert guidance: Seventeen staff members are now certified as financial counselors, offering one-on-one help with budgeting, debt management, saving, and long-term planning. Our goal is to certify every Member Advocate by year‑end, so you get consistent, professional guidance at every touchpoint.
Brand Refresh
You may have already noticed our updated, modern logo and visual identity at your local branch or online. This new look highlights our dedication to clarity, trust, and our shared purpose of helping every member achieve financial success.
Introducing new member-focused accounts
Our new checking accounts, named Spend Accounts, provide cash back and competitive interest rates. They are designed to give you better choices, empowering confident decisions and support your financial future.
-Cash Back Spend – Get cash back on everyday purchases with simple requirements.
-High Yield Spend — Earn competitive interest rates while keeping your funds easily accessible; only two simple qualifications required.
-Student Spend – Ages 10-26. Learn to manage accounts and get extras like ATM fee refunds and overdraft forgiveness (ages 18+, with financial counseling).
-Classic Spend – Tailored for members ages 55+. No minimum opening deposit and no minimum balance. Earn strong interest with easy access to funds, plus free cashier’s checks, money orders, an annual box of checks and no minimum balance required.
In addition to our new Spend accounts, our Savings Accounts now include Set-Aside Savings, Emergency Savings, and Youth Savings for ages 0-9. All accounts offer counselor-led planning to help you choose and maximize the right options for your goals.
New tools to help you save and budget |
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Round-Up lets you build your savings with every purchase.
Once you opt in, every purchase you make with your Mainstreet Credit Union Visa® debit card is rounded up to the nearest dollar.
The round-up cents are deposited into a Mainstreet savings account of your choice. Early Pay lets you get your paycheck up to two days early.
Early access to paychecks depends on when Mainstreet CU receives the payment file from your employer, which can be up to two days before the scheduled date.
No special enrollment is required for the standard 2-day early deposit; it happens automatically once a direct deposit is set up for your deposit. Restrictions apply. |
Learn more about our Spend or Savings accounts.
Ready to get started? Click here to start your application, visit your branch, or call 913.599.1010 for personalized guidance today.
Money Is Tight - Let Us Help
These offers are designed to give you a real, usable boost. Two special promotions—use them together or separately.
Two Ways to Save More
Earn a $3001 bonus when you open a new Spend account: To receive the $3001 bonus, you must:
1. Enroll in eStatements: In the app or online banking, opt into electronic statements. It’s that easy.
2. Use your debit card 25 times: Pay for things you already buy coffee, groceries, gas, subscriptions, and takeout. Small purchases count- and add up fast.
3. Set up a qualifying direct deposit: Switch your recurring paycheck, pension or government benefit, to the new account.
Open a Spend AccountRefinance your auto loan with up to 0.75% APR2 off our current rate
1. Refinance your qualifying loan from another financial institution with us.
2. Choose automatic loan payments from your Mainstreet Spend Account
Important details
1Offer valid for checking accounts opened between April 1, 2026, and June 30, 2026. Limit one account per person. Valid for new Members and current Members without an established checking account. Requires a new checking relationship with the Credit Union (those with existing checking accounts or have had an open checking account with Mainstreet Credit Union in the past 90 days do not qualify). $300 Bonus - Checking Account Bonus Requirements: Membership eligibility required. The Member must open the checking account by June 30, 2026. The Member must have 25 debit card transactions within 90 days from account opening (Transactions exclude refunds/credits, and ATM transactions) and have two direct deposits through ACH or RTP including Payroll, Pension, or Government benefits posted with a cumulative total of $800 or more within 90 days of account opening. The membership account number tied to the checking account must be enrolled in e-Statements. The $300 will be deposited into the Membership savings account within 60 days of meeting the qualifications. Account must be active and in good standing with a positive balance at the time of bonus payout with no fraudulent activity. Business, Minor, Trust, Custodial, Representative Payee and Fresh Start Spend accounts are not eligible for this promotion. All bonus payments will be reported to the Internal Revenue Service as an extraordinary dividend in the year they are paid. Members can receive only one new checking account opening related bonus every three years. Offer is subject to change without notice. Officials and immediate family members of an official of Mainstreet Credit Union are not eligible.
2APR=Annual Percentage Rate. Receive 0.50% off your current auto loan when you refinance an existing auto loan from another financial institution. The lowest available rate will be 4.99% APR. This offer can be combined with Mainstreet’s Automatic Payment Rate Discount of 0.25% with an automatic transfer from a Mainstreet Spend account. Offer eligible on vehicles 10 years old or newer, with a minimum loan amount of $7,500. Approval and APR are based on borrower’s creditworthiness and meeting underwriting requirements, such as, but not limited to income and loan to value requirements. 90-day no-payment may be available for certain qualified borrowers only; interest accrues during the deferral period. Offer valid from April 1 through June 30, 2026, with loan funding required no later than July 10th and does not apply to existing Mainstreet loans. A Share Savings Account with a $5 minimum balance is required to establish and maintain membership. Rates, terms and conditions are effective on the date of this publication and are subject to change without notice. Other restrictions may apply. Mainstreet reserves the right to terminate this program at its discretion.
Home Financing can be Affordable.
Access the Mortgage Rate Reduction Program*
For a limited time, qualified borrowers can enjoy a reduced mortgage interest rate substantially lower than the current market rate, thanks to funding made available through the Mortgage Rate Reduction Program.
Limited funds are available on a first-come, first-served basis. Act now to get a fixed-rate 30-year conventional loan.
Contact UsWhen you work with Mainstreet Credit Union to access the Mortgage Rate Reduction Program, you’ll also enjoy principled guidance and a hassle-free experience from application to closing.
Take the next step—reach out now and let’s lock in your reduced fixed rate today for a new home or refinance!
* The program is in partnership with FHL Bank, Topeka and available for the purchase or refinance of a primary residence. Owner-occupied residences only. No second homes. Requires a minimum down payment equal to 5% of the purchase price. Eligible borrowers must have documented income at or below 80% of the area median income based on property location. Terms and conditions apply. Subject to credit approval.
As a token of appreciation to our valued members, we are excited to offer tickets to the KC Current vs Boston Legacy FC game on Saturday, May 30th at 12:30pm. Limited space is available for this event, so tickets will be given to members on a first-come, first-served basis. Each household may reserve up to four tickets.
In consideration of being allowed to register for, and participate in, an event, activity, or experience (“Event”), I hereby waive, release from liability, assume all risks, and covenant not to sue Mainstreet Credit Union, or their respective members, employees, board members, agents, or volunteers for any expense, loss, damage, personal injury (including loss of life, disability, or serious harm), property damage or theft, negligence, or actions (each, a “Loss”) resulting from or arising in connection with my travel to, attendance at, or participation in the Event and any related activities. I am an adult of sound mind and capable of entering into this waiver. I have read its terms and fully understand and agree to the provisions herein. I agree that this waiver shall be governed by and construed in accordance with the laws of the State of Kansas and enforced only in courts in the State of Kansas.
MRIC
It’s never too early—or too late—to start planning for a comfortable and fulfilling retirement. Our advisors are here to help craft a personalized plan that aligns with your aspirations and financial goals.
We’d love to work with you to create your retirement roadmap. Retirement isn’t just about preserving wealth; it’s about enjoying it on your terms. Like any transition, it comes with adjustments. By focusing on these habits, you can create a retirement that feels both secure and fulfilling.
If you’d like to review your plan or explore strategies to strengthen these habits, then let’s schedule a conversation to make sure your retirement plan supports the life you envision. We’re happy to help.
Mike Thornhill I Wealth Advisor
Mainstreet Retirement & Investment Center
14280 W. 135th St., Olathe, KS 66062
mike.thornhill@ceterais.com
Office 913.599.1010 x727 Fax 913.161.0327
Mainstreet Retirement & Investment Center is a marketing name of Cetera Investment Services. Securities and insurance offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC. Cetera firms are under separate ownership from any other named entity.
Investments are: Not FDIC/NCUSIF insured | May lose value | Not financial institution guaranteed | Not a deposit | Not insured by any federal government agency. 4280 W 135th St, Olathe, KS 66062 (913) 599-1010
Annual Meeting
Date: Thursday, April 23rd
Time: 4-5pm
Location: Johnson County Arts and Heritage Center
8788 Metcalf Ave, Overland Park, KS
RSVP by calling 913.577.0290 before April 17, 2026