Text Size

Personal Loans

Classroom Cash Loan

Family walking on the beach

Mainstreet Credit Union began as a Teachers Credit Union in 1953.In honor of our past, we would like to celebrate school employees with a special offer...

Borrow up to $1,000 for school expenses, or any purpose you need!

Fast and Easy application:

• Online

Just complete the Secure Form on the Contact Us page at mainstreetcu.org

• By Phone

913.599.1010 or 888.395.1010

• In person at any branch

See locations at mainstreetcu.org


* The Annual Percentage Rate applies to qualified individuals creditworthiness at time of offer. One loan per calendar year per member. Proof of school district employment required. Automatic payment schedule from a deposit account required. Special interest rate offer good through August 31, 2015.

Getting a personal loan at Mainstreet is different. That's because we're people who live on the same street you do. We know how much getting the right loan at the right time can mean. Whether you are in need of a relaxing vacation, a new home computer or just some extra cash, Mainstreet Credit Union has the loan for you! We can give you the freedom to choose the things you want. Our loans feature:

  • Competitive Rates
  • Prepayment Without Penalty
  • Flexible Terms
  • Credit Disability or Credit Life Insurance

We also offer 100% financing, an optional 90-day deferment on your first payment and the ability to apply online or by phone 24 hours a day! Check out each loan type below.

Signature Loans

Signature Loans allow you to borrow money for nearly any purpose including, but not limited to, computers, bicycles, or that beautiful diamond necklace you've been dying to have (excludes business loans). Mainstreet bases your eligibility on your credit, financial resources and the amount of your loan request. Mainstreet Credit Union offers flexible terms up to 48 months, so a payment can be tailored to fit your budget. Apply for your loan online or by phone 24 hours a day.


Certificate or Share Secured

Borrow money using your Mainstreet Share Certificate or your Mainstreet Share (Savings) Account as collateral. Funds may be used for practically anything, such as auto purchase, vacation, you name it! If you have little or no credit established, this is an excellent way to build your credit while receiving a great low rate. Plus, dividends continue to accrue on your certificate or share account.

You can borrow up to 100% of the certificate balance or available share balance (minimum loan request $500). With available terms up to 60 months, you can tailor a payment that best fits your budget. The APR (Annual Percentage Rate) for a certificate secured loan is calculated by adding 3% to the APY (Annual Percentage Yield) earned on the certificate. Apply for your loan online or by phone 24 hours a day.

Private Student Loans

Our low-cost student loan is designed to meet your education needs:

Click here to learn more and start your application.

Loan Protection Coverage

Unfortunately, accidents, injuries and deaths occur every day. With the numerous financial responsibilities you take on, it's important to protect yourself and your family from the financial effects of a sudden disability or death.

Credit Life/Disability

What is MEMBER'S CHOICE Credit Life/Disability Insurance?

It's a way to help cover your family. There's no way your family can prepare for an unexpected death or disability due to injury or a medical-related illness, but you can take steps along the way to make sure your family is provided for if the unforeseen were to happen. MEMBER'S CHOICE Credit Life or Disability Insurance helps pay your loan, so your loved ones don't have to.*

How does it work?

The premium is included in your monthly loan payment. If you have a balance on your loan at the time of your disability or passing, MEMBER'S CHOICE Credit Life or Disability Insurance can help. By taking a few simple steps while signing your loan paperwork, you're helping take responsibility for your family's financial future. Your loan officer can show you how. You won't receive extra bills or statements; everything is included in your monthly payment.

You can cancel within the first 30 days for a full refund, or any time after that if you change your mind. If at any point you have questions, or if your family needs to file a claim, simply contact your credit union. Once you complete the loan documents, coverage begins for eligible borrowers.

Why is it valuable?

MEMBER'S CHOICE Credit Life Insurance will pay off your loan, and your family may not have to make payments from savings, salary or from other life insurance.* Your life insurance may be used for your family's other expenses.

MEMBER'S CHOICE Credit Disability Insurance will help pay your loan while you're totally disabled.* Regular disability insurance only covers a fraction of your salary and that's if you qualify. This helps close the gap. It's a safety net for your family so they don't have to use savings while you're totally disabled or medically ill.

*For terms of your contract agreement; up to your policy maximum.


Loan Application by Phone 
Apply by phone 24 hours a day by calling (913) 599-1010 option #7 or toll-free at (888) 359-1010 option #7.

Click here for loan rates
Click here for financial calculators