Enjoy competitive rates, fewer fees, and real people ready to help you reach your goals.
It's really all about you
Learn About Us
At Mainstreet Credit Union, your story matters. We’re here to support your financial journey with guidance, encouragement, and practical tools — every step of the way.
Real people. Real progress. That's Mainstreet Credit Union.
Always focused on you, our valued member
Making sure your money works harder for you
Proud to be an active community partner
Staying true to what has always guided us
Our Story
Mainstreet Credit Union is a not-for-profit financial cooperative, wholly owned and operated by its members. Guided by the belief that banking should feel personal and create a sense of belonging, Mainstreet offers inclusive, people-first financial guidance with personalized coaching, fair lending decisions and tools that drive meaningful progress. Members also benefit from competitive loan rates, higher dividends on deposits, and lower fees - options that help them move forward with confidence.
Rooted in Service. Built for People.
Our story began in 1953, when we were chartered as the Northeast Johnson County Teachers’ Credit Union. Back then, a small group of passionate educators came together with a simple goal: help fellow teachers manage their finances with confidence and care. The credit union operated out of a classroom in the Shawnee Mission School District before moving in 1962 to a small, rented office staffed by one manager and two part-time employees.
As membership grew, so did our reach. Through steady growth and thoughtful mergers with smaller credit unions, we expanded our ability to serve more people across the region. In 1979, our charter was broadened to include anyone living or working in Johnson County, Kansas, and our name evolved to The Credit Union of Johnson County to reflect that broader community.
Growing with Our Communities
In 2008, our charter expanded again to include the entire Kansas City metro area. Continued growth, fueled by additional mergers, brought new branch locations in Lawrence, Leavenworth, and Kansas City, Missouri. To reflect our expanding footprint beyond Johnson County, we became Mainstreet Credit Union in February 2010. That same year, two additional mergers added branches in Kansas City, Kansas, and Bonner Springs.
Today, more than 55,000 members from a wide range of companies, professions, agencies, and neighborhoods trust Mainstreet Credit Union for their financial needs.
A Commitment That Goes Beyond Banking
Mainstreet Credit Union is proud to be an active community partner. We support local schools, school foundations, chambers of commerce, hospitals, and nonprofit organizations throughout the Kansas City, MO/KS area, because strong communities and strong financial lives go hand in hand.
Mainstreet Credit Union at a Glance
(As of 3/1/26)
Headquartered in Lenexa, Kansas
9 branch locations across the Kansas City, MO/KS
Nearly 30,000 surcharge-free CO-OP ATMs nationwide
More than $695 million in assets
150+ employees
Over 55,000 members
96.9% member satisfaction rating (RFG Survey)
Federally insured by the National Credit Union Administration (NCUA)
Looking Ahead
At the heart of our mission is a commitment to empowering our members’ financial futures. Through comprehensive financial check-ups, we offer valuable insights and personalized strategies to help members save money on their monthly expenses.
Our dedication goes beyond individual financial health—we strive to uplift entire communities. We actively support school foundations and the broader education community by providing classroom materials for financial literacy programs. By teaching essential skill–such as how to improve your FICO score and why it matters—we help students and families build stronger financial futures.
In addition, we develop products tailored to educators' unique needs, ensuring the education community has access to the resources needed for financial success. Together, we’re building a brighter, more financially empowered tomorrow for our members and the communities we serve.
Our Mission
Welcome to Mainstreet, where your story matters and banking finally feels like it should. As a not-for-profit financial cooperative rooted in Kansas City, we’re dedicated to serving people—not profit margins. Here, banking is personal, centered on building relationships, providing honest advice, and supporting your progress with transparency and real solutions.
No matter where you are on your financial journey—planning for the future, managing a household, growing a business, or overcoming setbacks—Mainstreet offers one-to-one guidance and fair, flexible options built around your needs. You’re more than just an account number; you’re part of a movement to strengthen our community and empower every member to achieve a brighter financial future. That’s the power of Mainstreet: real people, real progress.
At the heart of our mission is a commitment to empowering our members’ financial futures. Through comprehensive financial check-ups, we offer valuable insights and personalized strategies to help members save money on their monthly expenses. Our dedication goes beyond individual financial health—we strive to uplift entire communities.
We actively support school foundations and the broader education community by providing classroom materials for financial literacy programs. By teaching essential skills—such as how to improve your FICO score and why it matters—we equip students and families with the knowledge to build stronger financial futures.
In addition, we develop products tailored to educators' unique needs, ensuring the education community has access to the resources needed for financial success. Together, we’re building a brighter, more financially empowered tomorrow for our members and the communities we serve.
Discover How We Give Back
To Our Members
Higher dividend yields for savings accounts
Lower interest rates on loans
Investments in our employees, products, and tools, to ensure our members are empowered to make the best financial decisions for their current situation and for their future goals
To Our Community
Financial education
College scholarships
Local non-profit support
Mainstreet Credit Union is dedicated to supporting our members' financial journeys with trusted local services in Kansas City, MO and Kansas.
Member Success
Here's what our members are saying about working with us.
Everyone is so nice. Banking both online and in person is easy, quick and dependable.
Stacie T
I love to do business with Main Street Credit Union! They are always so professional!
Brenda C
The customer service I received was outstanding! Once again confirming that being a member of Mainstreet Credit Union matters!
Ashley M
Preferred Business Partnerships
Becoming a Mainstreet Credit Union Preferred Partner is a win-win for your company and your employees. Through our Master Money Seminar, your team will receive education on credit score management—boosting both retention and morale. Employees will learn how to manage, protect, and improve their credit scores, and how a healthy score can open doors to their financial future.
Employees can take the next step by completing a Financial Check-Up form, which kicks off the financial counseling process. We follow up with a complimentary, one-on-one Credit Score Analysis. Or, let our Branch to Break Room program bring our financial experts directly to your workplace, where staff can answer questions about our products and services to support your employees on their personal financial journeys.
Best of all, enhancing your employee benefits package comes at no cost to you! Together, we can help your employees achieve greater financial wellness.
Read more about Mainstreet Credit Union.
So very happy with my overall experience with Main Street Credit Union.
Ari L
Helpful Details
You may schedule payments 24 hours a day, seven days a week. Payments scheduled on a Saturday, Sunday, or holiday will be debited from the account the next business day.
The Bill Payer processor processes payments on all days excluding Sundays and Federal Reserve Board recognized holidays. In cases where a payment gets scheduled on a Sunday (this can potentially happen on a recurring payment), the payment is processed on the day before (Saturday). If you happen to be setting up the payment on this particular Saturday, the bill payment will be processed on the next banking business day. Also, please note that weekly recurring payments may not be scheduled on Saturdays.
Mainstreet Talk is published quarterly via email.
To ensure you receive future emails, please make sure we have your preferred email on file. Simply log in to OnlineAccess to update your email address.
If you are having trouble receiving our emails or finding them in your spam folder, you may need to whitelist us. Whitelisting an email address just means you add them to your approved senders list. Doing this protects against overzealous spam filters.
Whitelisting is a quick task to ensure the sender of an email gets added to the recipient’s safe senders list.
Here are simple instructions on how to ensure that our email lands in your inbox every time:
Gmail
Yahoo
AOL
Apple
Android
Gmail
Getting all future emails from a sender to appear in the “Primary” tab (instead of “Promotions”) is a quick, two-step process.
First of all, drag-and-drop the email message from beneath the tab it’s currently filed under, to the “Primary” tab:
Once done, an alert will appear with, “This conversation has been moved to Primary. Do this for all future messages from [email protected]?” Select “Yes”:
Yahoo
When opening an email message, a “+” symbol should display next to From: and the sender’s name. Select this and an “Add to contacts” pop-up should appear. Select “Save”:
AOL
In the preview pane for an opened email message in AOL Mail, select the sender’s From name under the email’s subject line and select “Add Contact” from the drop-down menu:
Apple Mail
By selecting the From, or Reply-to on an email message, you can choose to “Add to Contacts” or “Add to VIPs.”
Android
On Android devices, open the email message and touch the picture of the sender that displays before the message. Tap “Add to Contacts.”
Click here for a step-by-step tutorial on how to update your goals on Insights.
Conventional - There is a 3 percent down payment requirement.
Zero Down - No down payment required for first-time home buyers. A 1% minimum borrower contribution is required, which can be part of closing costs or required cash reserves.
Mortgages with less than a 20 percent down payment require Private Mortgage Insurance to protect the lender against default. When considering the size of your down payment, consider that you'll also need money for closing costs, moving expenses and possibly repairs, decorating or appliances. Call us at 913-599-1010 to learn more about down payment requirements.
Retaining servicing means that Mainstreet will take care of your loan after closing. We receive and post your payments and pay taxes, homeowners insurance and mortgage insurance out of your escrow account (if you have an account set up for this purpose). We also perform annual escrow analysis, issue payoff requests (we don't charge any payoff statement fee or fax fee for this service) and perform collection activity if that becomes necessary. Retaining servicing is very important to us because it allows us to take care of our members after closing and do other nice things for you, such as paying dividends on your escrow account!
Make the switch. Make progress.
At Mainstreet, membership helps you move forward—your way.
Take advantage of exclusive member offers
View our current specials.
Read real experiences from fellow members
View member success stories.
Fuel the growth of your community
View our community impact.
Quick Budget Tip
Try the 50/30/20 split. Spend 50% on needs, 30% on wants, and 20% on savings.
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