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 to help you make your long-term financial dreams a reality in Kansas City and beyond.
Whether you are saving for a short-term goal or want to prepare for retirement, we have accounts designed for you.
Share Savings Account
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All it takes is a $5 deposit. It's that simple.
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You can even open sub-share accounts to manage your budgeting and savings goals.
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Choose the name that works for you - Vacation, Wedding, Home Improvement.
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Quarterly dividends are paid from the date of deposit.
- View current rates
- Open an Account
Money Market Advantage Account
- 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 Credit Union accounts.
- Easily accessible with online banking 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
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Share Certificate Special
4.26% APY1 for 14-Months
1The 4.26% APY (Annual Percentage Yield) promotional certificate has a term of 14 months, and the offer is effective as of June 2, 2025, this offer is subject to change or may end at any time.
- Open an Account
Youth Savings Account
- 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.
Individual Retirement Account (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
- View Current Rates
- Open an Account
Christmas Club Account
- Save easily for holiday and year-end expenses with this convenient holiday savings 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