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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 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 

  • 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 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

  •  

    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.

    Learn More

     
  • 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









Open a Savings Account 

Are you already a Mainstreet CU member?

Yes     No 

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

Wondering which savings account from Mainstreet Credit Union is right for you? Contact us, or visit us in person at one of our branches located in North Kansas City, Missouri or the following Kansas cities: Bonner Springs, Kansas City, Lawrence, Leavenworth, Lenexa, Mission, Olathe, Shawnee Mission.