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Savings Accounts

Choose The Account That's Right For You

Securing a healthy financial future begins with just the right savings options. We offer a suite of savings accounts created to help you make your long-term financial dreams a reality.

Whether you are saving for a short-term goal or want to prepare for retirement, we have accounts designed for you.

Share Savings Account 

  • All it takes is a $5 deposit. It's that simple.

  • You can even open sub-share accounts to manage your budgeting and savings goals.

  • Choose the name that works for you - Vacation, Wedding, Home Improvement.

  • Quarterly dividends are paid from the date of deposit.

  • View current rates
  •  Open an Account

Money Market Advantage 

  • A Money Market Advantage account combines the liquidity of a checking account with a premium rate of return.
  • Your investment of $2,500 or more earns interest based on the balance. 
  • Check writing and transfers to other Mainstreet accounts.
  • Easily accessible with OnlineAccess and PhoneAccess.
  • View current rates
  • Open an Account

Share Certificates (CD)

  • Open with as little as $500
  • Terms of  6, 12, 24, 48, or 60 months.
  • A Share Certificate is also perfect as loan collateral for a Certificate Secured Loan.
  • Mainstreet also offers Young Savers Certificates for members through age 19. Choose from a 6-month or 12-month term, both require a $250 minimum balance. 
  • View current rates
  • Open an Account

Youth Savings

  • Goal Getters
    The Goal Getters savings account was designed for members ages 0-12 years old.  
  • Certificates
    Young Savers Certificates are for members through age 19. 
  • Coverdell Education Savings
    Mainstreet's Coverdell ESA helps parents and students save for educational expenses.

IRA Savings

  • Traditional IRAs
     If you are currently working and will not reach age 72 this year, a Traditional IRA could be for you. 
  • Roth IRAs
    provide additional incentives for retirement savings and additional options as to how the money can be used. 
  • The SEP IRA
    is a special retirement plan established by Congress, primarily for small business owners and those who are self-employed. 
  • Learn more about IRAs
  • Open an Account

Christmas Club Account

  • Save easily for holiday and year-end expenses with this convenient account.
  • Use direct deposit or payroll deduction to grow your savings throughout the year.
  • Funds are automatically available on October 1st of each year.
  • View current rates
  • Open an Account

Open an Account 

Are you already a Mainstreet CU member?

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You may also call us at 913.599.1010 or 888.395.1010, schedule an appointment or contact us.