Newsletter - Summer

Mainstreet Talk

Mainstreet Credit Union Newsletter


New Visa Debit Cards Coming Soon! 

We’re delighted to share that Mainstreet Credit Union is issuing new Visa debit cards to all members as part of our system upgrade to enhance security measures. Your new Visa card will offer improved security and functionality. As we get closer to this exciting change, we’ll keep you in the loop with more details. In the meantime, please look for your new Visa card, which will be sent to you between mid-August and mid-September.

To help make this transition as smooth as possible, please take a moment to check that your address, phone number, and email are current in your Mainstreet Credit Union accounts. This will help us avoid any delays and ensure you stay updated.

Your new Visa card will take the place of your existing card, so we encourage you to activate it right away once it arrives. Also, don’t forget to update your card information for any recurring payments like utilities, streaming services, and other automatic billing once your new card is activated.

If you have any questions about the switch from Mastercard debit to Visa debit cards, just click here for answers to frequently asked questions. And if there’s anything else you’d like to know, don’t hesitate to contact us at 913-599-1010, or use the chat feature on our online banking platform or mobile app.


 

Best-In-State, Again!

Mainstreet Credit Union has been named on the Forbes list as one of the Best-In-State Credit Union in 2025 for Kansas! This prestigious award is presented by Forbes and Statista Inc., the world-leading statistics portal and industry ranking provider. This recognition reflects Mainstreet Credit Union's commitment to providing outstanding financial services and member satisfaction within the state.

We are grateful for this recognition and for everyone who voted for us this year. Being listed alongside other top-tier financial institutions on the Forbes list is an honor for us and motivates us to continue working to provide the best financial services to our members.

This year’s winners were determined based on two main sources: An Independent Survey of approximately 26,000 US consumers who were asked to rate credit unions at which they have or have had a checking or savings account (criteria categories were Trust, Terms & Conditions, Branch Services, Digital Services, Customer Services, and Financial Advice) and a sentiment analysis of Publicly Available Reviews collected for each credit union, in each state.

Thank you for your vote!


Mortgage Option for Moderate Income Families

Are you questioning whether homeownership is within your reach? If so, you're not alone. The escalating prices of homes, coupled with rising interest rates, have made achieving the American dream increasingly challenging. But don’t lose hope- at Mainstreet Credit Union, we are committed to making homeownership more affordable.

Navigating the mortgage process can be complex. Our team of mortgage professionals are here to assist you in finding the ideal program or mortgage solution that fits your needs and circumstances. Take a moment to explore our Mortgage Rate Reduction Product details.

Mortgage Rate Reduction Product (MRRP)

Who qualifies?

  • The Mortgage Rate Reduction Product at Mainstreet is specifically designed for low-to-moderate income households.
    • To qualify you must be at or below 80% of the area median income (AMI) based on property location. That means if your household income is less than $89,000 (in Johnson County) you may qualify for a lower mortgage rate of 5.375% APR*, that is 2% less than what you might traditionally qualify for at this time.

What type of loan is this?

  • 30-year fixed conforming conventional loan
  • For owner-occupied residential properties, no second homes
  • Purchase or refinance transactions are eligible (both rate/term and cash out are eligible)

What are the benefits of a lower interest rate?

  • Lower monthly mortgage payments: Frees up funds for other expenses or savings goals.
  • Reduced overall cost of the loan: Paying less interest over the life of the loan results in significant savings over time.
  • Opportunity to pay off the mortgage faster: More of your monthly payment goes towards the principal balance. Helping you pay off your mortgage faster.
  • Potential to build equity faster: By paying down the principal balance quicker, you build equity in your home more rapidly.
  • Financial flexibility: Reduced monthly payments can allow you to invest in other areas or address other financial obligations. 

If you believe this might be the right fit for you, please don’t hesitate to reach out and speak with one of our mortgage professionals at 913-599-1010 or email at MortgageInquiry@mainstreetcu.org.  

 

 *APR= Annual Percentage Rate

Certificate Special

4.26% APY* for 14 Months

You work hard for your money. Now, make your money work harder for you with a Share Certificate. With as little as $500, you can start seeing your savings grow faster. Take advantage of this special offer while it lasts. Open your Share Certificate Today!

Learn More 

 

Entitlements

A new way to transform your small business

Entitlement allows you to confidently delegate responsibilities, without giving up control and security – so you can spend more time concentrating on growing your business. Entitlements let’s you establish varying levels of secure online access for your bookkeeper, office manager, essential team members, and even your CPA, so they can carry out vital financial and accounting tasks with the right banking permissions. 

Key benefits

  • Enhanced Control and Flexibility: Set up multiple business account users with tailored account permissions and transaction limits.
  • Improved Security: Secure logins and passwords, automate internal control procedure with approvals and transaction alerts.
  • User Activity Authorization: Authorize the activities each user can perform––like pay bills, and transfer money––all with boundaries you set.

How it works

  • Set-up Users in Admin Manager: Easily add users and customize their permissions, by level of account access and duty required.
  • Transaction Review: Keep track of all transactions initiated by team members through the online dashboard.
  • Convenient Approval: Approve or modify transactions initiated by others at your convenience -- at the office or on the go.

Entitlements is available for Business Account holders with Advantage, Optimum or Business Money Market accounts. To get started, simply send an email to businessServices@mainstreetcu.org and let us know you are interested in signing up for Entitlements. A Business Services Representative will contact you with next steps.


Back-To-School Drive at Your Local Branch

We invite you to contribute new school supplies for local students in need. From July 1 to July 26, red Salvation Army collection barrels will be stationed at our locations to gather vital back-to-school supplies. This initiative is designed to ensure that every student is adequately equipped and ready to learn at the start of the school year. By providing essential supplies, we help students start their year focused and ready to learn.

The success of this drive hinges on the goodwill of community members like you. Acquiring the necessary supplies can be a financial burden, as the average family is projected to spend around $670 this year on educational materials and clothing. Your contributions will make a significant difference in the lives of students in our community.

 Needed Supplies:

  • Backpacks 🎒
  • Notebooks and Binders 📓
  • Pencils, Pens, and Markers ✏️
  • Calculators ➕
  • Lunchboxes 🥪
To view a more detailed list and shop your school supply lists by grade. Click Here!

Thank you for your support!


Events Around the Corner

SHRED DAY

Date: October 11th, 2025
Time: 9am - 12pm, or until trucks are full. 
Location:  Shred it Facility 1000 Lackman Rd.
Lenexa, KS 66219  

All types of dry paper are accepted. No plastic, media tapes or corrugated cardboard, please. For members only.

Explore the Upgrades of Our ATMs

At Mainstreet, we’re always looking for ways to make banking easier, faster, and more secure for our members. That’s why we’ve upgraded our ATMs with modern touchscreens, a simpler tile-based interface, and new features like contactless tap-to-pay access. You’ll notice machines at our Olathe–Downtown and Lawrence branches have been relocated to the drive-thru for added convenience and safety. Lenexa, Mission, KCMO, Olathe East, Wyandotte, and Leavenworth ATMs have also been enhanced.

As you explore the updated layout, please take a moment to review the on-screen prompts. We're excited to bring you this new technology, because at Mainstreet, our member owners are the priority.

Mainstreet has ATMs at all of our locations and offers surcharge-free ATM’s at over 30,000 locations through the CO-OP ATM network.

CO-OP's ATM Locations