Mainstreet Talk
Mainstreet Credit Union Newsletter
Exclusive Auto Refinance Promotion
Jump Start your Savings Today!
Take advantage of our exciting auto refinancing opportunity. Receive a 1% cash bonus or $300* when you refinance your auto loan from another financial institution, whichever is less. Plus, your first payment is not due for 90 days! With interest rates starting as low as 5.24% APR**, now is the perfect time to lower your monthly payments and improve your overall financial flexibility.
This limited-time offer is set to expire on March 31, 2026, so don’t let this chance slip away. Act quickly to secure your bonus
*Receive a 1% cash bonus, or a $300 cash bonus, whichever is less, when you refinance your auto loan from another financial institution. This offer is limited to vehicles 10 years old or newer. Approvals are contingent upon credit approval, such as but not limited to, income and loan to value requirements. Contact Mainstreet Credit Union for more information. Minimum loan amount of $5,000. The cash bonus will be deposited into the Member’s Share account as an extraordinary dividend within 30 days of meeting the qualifications. The cash bonus will be reported to the Internal Revenue Service as an extraordinary dividend in the year it is paid. Offer valid from January 1 through March 31, 2026. The refinance auto loan must be funded by April 15, 2026, to earn a cash bonus. Mainstreet Credit Union reserves the right to terminate the program at its discretion. Membership eligibility is required. A Share Savings Account with a $5 minimum balance is required to establish and maintain membership. Membership must remain in Good Standing for funds to be deposited. Can not be combined with other offers.
** Annual percentage rate (APR) is based on borrower’s credit worthiness. Offer valid from January 1 through March 31, 2026. Rates, terms and conditions are effective on the date of this publication and are subject to change without notice.
Real Member Success Stories
Helping Our Members – All Year Through
At Mainstreet, empowering members so you can do more with your money is at the heart of everything we do. Check out some of our successes in 2025:
In 2025, 3,128 members complete a Mainstreet Financial Check-Up, as a result, many saw improved credit scores and lower monthly payments.
We saved members $1,514,060.00 in loan interest over the life of their loans.
We collected hundreds of Member Stories like these, illustrating how Mainstreet helped improve financial lives in our communities: At our Olathe-East branch, one of our members came to us seeking help with building their credit. After a thoughtful discussion about their financial goals, we were delighted to approve them for a $500 credit card. This marked an important first step in laying down a strong financial foundation. With responsible use and timely payments, we expect this card to help them enhance their credit score in just six months. Building credit is much like any other journey; it all begins with that first step. Taking early action is crucial, especially when a loan isn’t an immediate need. We provide effective strategies to help you establish a solid credit score, ensuring that when you do need a loan, you’ll enjoy lower rates and faster approvals.
At our KCMO branch, we welcomed new members who were interested in refinancing their auto loan. It quickly became apparent that their main goal was to reduce monthly payments and improve their budget flexibility. We successfully refinanced their auto loan, freeing up an extra $300 each month. Inspired by the positive change in their finances, their son asked for a Financial Check Up analysis for himself. This led to an additional $388 back in his monthly budget.
These stories truly reflect our commitment to enhancing the financial well-being of our members. If you are interested in a free Financial Check Up you can schedule and in person appointment or start the application by clicking here, schedule an appointment online or call 913-599-1010 for assistance.
What's New
DISCONTINUING THE U.S. PENNY
Times are changing. As the economy evolves, the U.S. Department of the Treasury has announced it will stop producing the penny.
How will the end of the penny affect you?
- We are no longer able to order pennies from the Federal Reserve, which limits our ability to fill change orders that include them.
- Rolls of pennies are no longer available at our branches.
- Cash in your pennies sooner rather than later. While no official date has been set, there may come a time when Mainstreet will no longer accept pennies for deposit.
- Use digital payments – card and mobile transactions will continue to process to the exact cent and are not affected by rounding.
- When closing an account, if your final balance includes 1–4 cents, the amount will be rounded down. You may request a cashier’s check for the exact amount or choose to donate the remaining cents to Children’s Miracle Network.
If you have additional questions or need assistance, our team is here to help.
NEW DEPOSIT ACCOUNTS ARE COMING SOON!
We are thrilled to announce the launch of our latest savings and checking/spend products, designed to enhance your ability to earn interest on your hard-earned money! These new accounts offer not only competitive interest rates but also a variety of incentives to reward your usage of the Mainstreet Debit Card.
Our new savings and spend accounts are specifically crafted to empower you to save, earn, and spend wisely.
Available starting March 1, more information about how these accounts can support your financial goals will be accessible at mainstreetcu.org.
.jpg)
