Today, Tomorrow and Forever 

As your trusted credit union, we will always be here for you. Especially now, it’s important that you have plenty of options when it comes to managing your money.
Mainstreet has you covered. We have service options to suit every lifestyle.


More members than ever have made the switch to mobile and online banking. Simply log in to Online Access from your tablet or download our mobile app to manage your accounts.
If you prefer a more in-person experience, feel free to stop by our drive-thru. Drive-thru branch services are available Monday - Saturday during normal drive-thru hours.
Our Member Assistance Center is fully staffed and ready to take your call. Manage your money, open an account, or apply for a loan. Just call us at 888.395.1010 during normal hours.
Sometimes it's best to come into the branch. To make your trip faster and easier, Mainstreet now offers appointment scheduling to limit your wait time. Just call 888.395.1010 to schedule yours.

Make Your Voice Heard

Dear Member:
As a member-owner of Mainstreet Credit Union, it is important to ensure your voice is heard in this critical election year. At Mainstreet, we pride ourselves on our community involvement and see it as our duty to encourage our members to participate. Your vote matters!

Credit unions advance our local communities by empowering
the financial well-being of all our members. But what happens in Washington and in state capitols has a big impact on our ability to keep middle-class families and our local
economies moving forward. That’s why it is so critical to participate in our democratic system by exercising your right to vote in the upcoming election.

You can check your registration status, register to vote, request an early or absentee ballot, or find your polling place at We hope you will check it out!

As a credit union member, you have a powerful voice. It’s up to you to use it!

John Beverlin


Our Credit Union is Growing

We're excited to announce the construction of our newest branch in the Twin Creeks Shopping Center, located at 8451 N. Madison Avenue, Kansas City, MO. The 4,500 square-foot Twin Creeks Branch will serve as a regional hub for future growth in the northland. Completion is expected in early 2021.

Regulation CC Update

Effective July 1, 2020, our Funds Availability Policy is changing. We are increasing the amount we make available for withdrawal by checks not subject to next day available from $200 to $225. In addition, the amount available for withdrawal on exception holds for large deposits, new accounts, and repeated overdrafts will increase from $5,000 to $5,525.
To receive a copy of the credit union's Funds Availability Policy, please contact us at 888.395.1010 or visit our Privacy & Disclosures page.


Coping with Market Volatility:

Understand How Biases Can Affect Investment Decisions

Understanding your biases may help you avoid questionable calls in the heat of the financial moment.
When it comes to your finances, “go with your gut” might not be the wisest adage to follow. In fact, it may work against you, particularly in periods of market turbulence. Before jumping to conclusions about your finances, consider what biases may be at work beneath your conscious radar.
Recency bias refers to the tendency for recent events to have a stronger influence on your decisions than more distant events. For example, when the market was in the midst of an 11-year bull run, you may have increased your investments in equities, hoping to take advantage of any further gains. By contrast, if you were severely burned by market performance during the past several weeks, you may be hesitant about continuing or increasing your investments once the market settles down. Consider that neither of these perspectives may be entirely rational given that investment decisions should be based on your individual goals, time horizon, and risk tolerance.
It’s only natural to be concerned when the market drops. But expecting volatility and having a sound financial strategy in place may be the best defense when events roil the markets. This might also help prevent you from making investment decisions influenced by biases.
If you think you might be basing your decisions on biases rather than facts, contact us. We can offer an important third-party perspective.
All investing involves risk, including the possible loss of principal, and there is no guarantee that any investment strategy will be successful.
Although there is no assurance that working with a financial professional will improve investment results, a professional can evaluate your objectives and available resources and help you consider appropriate long-term financial strategies.
Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS for investment services. Atria Wealth Solutions, Inc. (“Atria”) is a modern wealth management solutions holding company. Atria is not a registered broker-dealer and/or Registered Investment Advisor and does not provide investment advice. Investment advice is only provided through Atria’s subsidiaries. CUSO Financial Services, LP is a subsidiary of Atria.
Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2020


Unemployment Benefits Fraud

The U.S. Secret Service has received reports of a well-organized Nigerian fraud ring exploiting the COVID-19 crisis to commit large-scale fraud against state unemployment insurance programs. The primary state targeted so far is Washington, while there is also evidence of attacks in North Carolina, Massachusetts, Rhode Island, Oklahoma, Wyoming, and Florida. It is extremely likely every state is vulnerable to this scheme and will be targeted if they have not been already.

Individuals are receiving ACH deposits from out-of-state Unemployment Benefit Programs. A substantial amount of the fraudulent benefits submitted have used personally identifiable information (PII) from first responders, government personnel and school employees. It is assumed the fraud ring behind this possesses a substantial PII database to submit the volume of applications observed thus far.

This fraud network is believed to consist of hundreds, if not thousands, of money mules* with potential losses in the hundreds of millions of dollars. The financial institutions targeted have been at all levels including local banks, credit unions and large national banks.
To safeguard members accounts, Mainstreet is currently monitoring accounts that contain red flags, proactively contacting members with flagged accounts for potential fraud and freezing suspicious accounts to minimize potential losses, when necessary.

If you are uncertain about a deposit or request for deposit that you receive, please contact us at 913.599.1010 or toll-free at 888.395.1010.

* A money mule is a person who transfers money acquired illegally in person, through a courier service, or electronically, on behalf of others.
Source: Heartland Credit Union Association


Assisting Small Businesses

Our Business Services team has worked tirelessly to keep up with demand for Paycheck Protection Program (PPP) loans, offered by the Small Business Administration.
The credit union approved 91 PPP loans and processed over $1.45 million. In addition to providing relief for small business owners, nearly 233 employees received assistance on behalf of PPP loans.

Helping Your Business Grow

We're not big fans of the one-size-fits all approach because we know that no two businesses are alike. Each is just as unique as the hardworking people who operate it. That's why we developed options that are tailor-made to fit your individual company's needs.
Our Business Services team can do it all:
  • Accounts
  • Vehicle & Equipment Loans
  • Line of Credit
  • Credit Cards
  • Online & Mobile Banking

Pick the right partner for your business. Our Business Services team works hard so you can focus on what's important to you - it's as simple as that.
To discuss options for your business, send us an email at


2020 Shred Days

  • Saturday, Sept. 26  -  CANCELED
  • Saturday, Nov. 7  |  Shred-It Facility  |  10000 Lackman Rd.
Our Shred Day event in September has been canceled due to public health concerns. The final Shred Day event remains on schedule at this time. Please check for updates in the October newsletter.
Shred Days are held from 9 a.m. to noon, unless trucks are full. This is a free service available to every Mainstreet member. All types of dry paper are accepted.
Please note: Times and locations are correct at the time of publishing and are subject to change. Always check our website for update on our Community page.