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Keep up with the Mainstreet Talk Newsletter
There's lots of news to follow about Mainstreet and everything we're doing in our Kansas City MO/KS communities. Stay updated here!
The Mainstreet Talk Newsletter keeps you connected
It's always good to be informed, especially when it comes to your money. Mainstreet Talk shows you ways to save and earn more money, learn about upcoming events and read stories that celebrate our members and community partnerships. Please see our FALL Newsletter below.
We're Moving
We’re excited to share an upcoming change for our Lenexa location. On October 3rd, our administrative and operations teams will move to a new Operations Center at 10910 W 87th St, Lenexa, KS 66214. While this center is dedicated to our staff and not open to members, it gives us the extra room we need to grow and serve you even better.
We’re also delighted to share our plans to relocate the Lenexa branch itself. While the exact timeline is still being finalized, we anticipate welcoming you to the new branch by year’s end and will keep you informed every step of the way. For now, we can reveal that the future branch will be at 9500 Lackman Rd, Lenexa, KS 66219, just 1.6 miles west of our current location. As soon as we have more details, we’ll share them with you. In the meantime, you’re welcome to continue using our current Lenexa branch and ATM.
These moves will give us more room and better resources to serve you. They will also help us continue our mission of Empowering our communities to improve their financial lives through financial education, outreach, and one-on-one guidance.
Thank you for your continued support and patience as we make these exciting improvements. We can’t wait to share more updates with you soon and look forward to a bright future together.
Two Ways to Save: Earn More This Season!
We’re excited to announce our special “Two Ways to Save” promotion, designed to help you make the most of your money this fall and winter. From October 1 through January 4, 2027, take advantage of TWO rewarding offers, available to both new and existing members:
Cash Back Spend Checking Bonus
Earn 5% cash back* on the first $250 in monthly debit card purchases with your Cash Back Spend account!
Emergency Savings Account Special APY
Grow your savings faster with a promotional 8.25% APY* (Annual Percentage Yield) on your Emergency Savings account balance up to $1,000!
Don’t miss these limited-time opportunities. If you already have a Cash Back Spend account, you’ll automatically receive these special offers, there’s nothing more you need to do! If you’re not yet using a Cash Back Spend account, it’s easy to switch your existing checking account so you can start earning rewards on your everyday purchases. Either way, enjoying these benefits is simple and hassle-free.
Restrictions and qualification apply.*
*Limited Time promotion from October 1 – January 4, 2027 (the “Promotional Period”) for both new and existing Members who have Cash Back Spend checking accounts. During the period, eligible members who meet the applicable minimum qualifications requirements for the monthly cycle will earn 5% cash back on the first $250 monthly debit card purchases made with their Cash Back Spend checking account. To qualify you must: a) have a monthly direct deposit or a least 2 ACH deposits totaling at least $500.00; and b) make 25 debit card transactions that post and settle to your account within the calendar month. ATM transactions are not excluded as a qualifying debit card transaction. Cash back earned during the promotion will be credited to your Cash Back Spend checking account within 30 days after the promotional period ends, provided your account remains open and in good standing. One Cash Back Spend checking account per membership. After the promotional period ends, the cash back rate will revert to the standard rate as stated in the separate Rate Sheet. Terms and conditions are subject to change without notice. Additional terms and eligibility requirements may apply. Please refer to the membership agreement for complete details.
3Early Pay = Early access to direct deposit funds depends on when we receive the payment file from your payer. Funds are generally available on the day we receive the file, up to 2 days before the scheduled payment date. Learn more . 4ACH = Automated Clearing House.
**APY=Annual Percentage Yield. Limited time promotion from October 1 – January 4, 2027, for both new and existing consumer Emergency Savings accounts that meet the minimum qualification requirements during the monthly qualification cycle. A higher APY of 8.25% will be earned on your average daily balances up to $1,000. The promotional APY is applicable only to funds maintained in the Emergency Savings account up to $1,000 during the Promotional Period. This is a variable-rate account and the APY is accurate as of 10/1/2026. To meet the minimum qualifications requirements, you must: a) have an active Spend account; and b) have at least (1) one recurring transfer from your Spend account to your Emergency Savings account that post and settles to your account within the calendar month. After the promotional period ends, the APY will revert to the standard APY published at that time.
Fees may reduce earnings on the account. Limit one Emergency Savings Account promotional APY per member. Additional terms and eligibility requirements may apply. Terms and conditions are subject to change without notice. Please refer to the membership agreement for complete details. Federally Insured by NCUA
Already have a Cash Back Spend or Emergency Savings account? You’re all set to enjoy these special offers automatically. Sit back and let the rewards come to you.
Announcing Our New Website Launch
We’re thrilled to share that Mainstreet Credit Union will soon unveil a redesigned website, created to give you a better and more convenient experience. The new site features a fresh look, streamlined navigation, and improved search tools to help you quickly find what you need. For online banking, you’ll continue to click the login button in the upper right corner, just as you do now. Your online banking and mobile app access will stay the same, with no new login required. Get ready for our new website coming in late October!
Beware of Muse Scams on Social Media
We’ve seen a rise in “Muse scams”, specifically targeting our younger members. A Muse scam often appears as an opportunity or community invitation, but is a fraud scheme designed to trick individuals into sending money or sharing personal information. Here are some tips to help protect yourself and your family from becoming a victim.
How the Scam Works
The Pitch: A "digital artist" or "painter" messages a person on a social media platform, like Instagram, Facebook, or TikTok, complimenting their profile picture. Or they may promise a person involvement in a creative project, event, or partnership. They offer a generous commission (e.g., $500) to use their photo or participation as a muse for an upcoming project.
The Check: The scammer sends a check or e-check that is purposefully written for a larger amount than promised, often $1,500 or more.
The Demand: The scammer asks the person to send the remaining funds to their "art supplier" or a "client" via wire transfer, gift cards, or a digital payment app (like CashApp or Zelle).
The Aftermath: A few days later, the check returns as fraudulent. The money that was sent to the “art supplier” or “client” is gone, and the member is held legally liable for the full amount of the bounced check.
What Signs to Watch For
Unsolicited Offers: Randomly receiving offers for "free money" from people you don’t know in exchange for a simple photo. Also, offers that sound too good to be true that pressure you to act quickly or keep a secret.
Oversized Payments: Being sent a check or funds that exceeds the agreed-upon amount with instructions to forward the difference to other parties.
Middleman Requests: Being asked to act as a middleman between the artist and an art supply vendor. Real artists and clients pay vendors directly.
What to Do If You Were Targeted
If a potential scammer contacts you, block the profile and report them directly on the social media platform. If you have already deposited the check or sent money, take these steps immediately:
Contact Mainstreet Credit Union: Immediately call Mainstreet to report the possible fraudulent check deposit and potentially prevent your account from being flagged or overdrawn.
Contact the Payment Service: If you used Zelle, CashApp, or a wire transfer, report the fraudulent transaction to the service to see if the funds can be recovered, however this is very rare.
File a Police Report: If you have lost money due to Muse scam, contact your local police department and file a police report. The sooner you report the scam the better.
Report the Fraud: Contact the Federal Trade Commission (FTC.gov) and FBI's Internet Crime Complaint Center (IC3.gov) to report the fraud.
Mainstreet is here to help. Protect yourself, your data, and stay safe!
Kansas Credit Unions are working together to help protect your money, your identity, and your peace of mind.
Learn more at https://www.fightthefraudks.com/
Celebrate International Credit Union (ICU) Day® 2026
Why do so many people around the world choose credit unions? It’s because credit unions put people first and work hard to make their communities and members’ lives better. This local commitment connects over 400 million members worldwide. On Thursday, October 15, 2026, join us and others around the globe as we celebrate 78 years of International Credit Union Day®.
Mainstreet Credit Union has served the Kansas City Metro area for nearly 75 years, supporting members across several counties in Kansas and Missouri.
Stop by a Mainstreet Credit Union branch on International Credit Union Day for treats and refreshments!
Mainstreet Retirement & Investment Center
Mainstreet Credit Union offers, through its Mainstreet Retirement & Investment Center (MRIC) professional advice from Cetera Investment Services, personalized financial planning, investment portfolios, and retirement services.
Preparing for Retirement
You’ve spent your working life saving for the time when you can leave your career behind and enjoy your family, pursue hobbies, or simply relax on the beach. But are you financially prepared to safely spend the savings you’ve worked hard to accumulate?
Failing health, falling markets, and the uncertainty of social security — they can all derail your plan. Preparing for retirement is so much more than dollars and cents. With a solid financial plan, you can feel confident you’re ready to meet the financial challenges that come your way.
Schedule a meeting with me today and let’s make sure you are financially prepared for whatever your retirement looks like.
Mike Thornhill I Wealth Advisor
Mainstreet Retirement & Investment Center
14280 W. 135th St., Olathe, KS 66062
[email protected]
Office 913.261.0327 Fax 913.161.0327
Mainstreet Retirement & Investment Center is a marketing name of Cetera Investment Services. Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera firms are under separate ownership from any other named entity.
INVESTMENTS ARE • NOT FDIC/NCUSIF INSURED • MAY LOSE VALUE • NOT FINANCIAL INSTITUTION GUARANTEED • NOT A DEPOSIT • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY.
You can soon use Skip-A-Pay at any time of the year.
Coming in November: Our Skip-A-Pay program is expanding! Instead of being limited to once a year during the holidays, you’ll soon be able to skip your loan payment up to twice a year whenever unexpected expenses arise.
Visit our website in November for more details.
Refer-A-Friend.
Invite Your Friends-Get Rewarded!
Share the benefits of your Mainstreet membership! Refer your friends to open an account, and you’ll both receive a $50 reward. It’s simple:
Invite a friend to join Mainstreet Credit Union*.
When they open an account and meet the qualifying criteria, you each get a reward*.
Get up to $400 when you refer your friends and family. The more friends you refer, the more you earn!
Start sharing today and enjoy extra perks together*. Terms and conditions apply.
Visit our webpage or your nearest branch for details.
Enter November 1st
Member Appreciation Event*: KC Wine Co. Winter Wonderland
This holiday season, Mainstreet Credit Union is excited to give members the chance to win complimentary tickets to a spectacular Holiday Wonderland experience! As a token of appreciation for your loyalty and support, we’re holding a special drawing, members can enter for a chance to win 4 free tickets per household for themselves and their families.
Step into a festive world filled with sparkling lights, seasonal treats, and joyous activities for all ages. Winners will receive:
Access to enchanting holiday displays
Holiday treats available for purchase
Socially responsible Santa
Special Holiday themed photo opportunities
Tickets will be awarded to randomly selected winners. Celebrate the holidays in style—courtesy of your credit union family!
How to Enter:
Promo Code Coming Soon: The promo code isn’t ready yet, but please visit this page again on November 1st for the code and instructions on how to get your free tickets.
Tickets are limited, so claim yours as soon as the promo code is available.
*In consideration of being allowed to register for, and participate in, an event, activity, or experience (“Event”), I hereby waive, release from liability, assume all risks, and covenant not to sue Mainstreet Credit Union, or their respective members, employees, board members, agents, or volunteers for any expense, loss, damage, personal injury (including loss of life, disability, or serious harm), property damage or theft, negligence, or actions (each, a “Loss”) resulting from or arising in connection with my travel to, attendance at, or participation in the Event and any related activities. I am an adult of sound mind and capable of entering into this waiver. I have read its terms and fully understand and agree to the provisions herein. I agree that this waiver shall be governed by and construed in accordance with the laws of the State of Kansas and enforced only in courts in the State of Kansas.
Previous Newsletters
Thank You, Members!
We’re Honored to be named the Best by our members
We’re honored to announce that Mainstreet Credit Union has received a couple awards, including Best in State for Kansas and the Kansas City Favorite Award! Thank you to all our members for your votes and support, it means so much to us and reflects our ongoing commitment to helping you feel valued and empowered as we work together to improve your financial lives.
https://www.forbes.com/lists/best-in-state-credit-unions/
More exciting awards will be announced later this summer! Be sure to visit our website to see the results and celebrate the impact of your votes with us.
Share the Love: Refer Friends & Family and Earn Rewards
Refer your friends and family to the credit union Kansas City loves and earn up to $400!*
Refer your friends and earn rewards when they open and use a new Mainstreet CU Personal Spend Account, Consumer Loan, or Deposit Account.
*Terms and conditions apply.
More Control. More Confidence. More Convenience.
Beginning July 27, 2026, new debit card tools will give you more ways to manage your card anytime, anywhere. These enhancements are designed to make everyday life easier by giving you greater control, security, and peace of mind. Whether you're traveling, shopping, or simply going about your day, these new tools put more control directly in your hands.
Starting July 27
Reporting a lost or stolen card through Online Banking or the Mobile App
If your card is lost, stolen, or you spot something suspicious, simply lock it with a tap. To report a lost or stolen card, use the app or call 888-297-3416 (US) or 206-389-5200 (international).
Submit travel notices without calling
Simply add your travel plans through Online Banking or the Mobile App before your trip. If unusual activity is detected, you may receive a text message asking you to verify a transaction to help keep your account secure.
Receive fraud alerts by text message
If we detect unusual or suspicious card activity, you may receive a text message asking you to verify a transaction. It's a quick and convenient way to help protect your account and keep legitimate purchases moving smoothly.
Submit debit card disputes digitally for faster support
Review the transaction in online banking or mobile app. If you believe the transaction is fraudulent, submit a dispute directly through online banking or the mobile app and turn your card off immediately.
Starting August 3
Turn your card on or off instantly
Choose how you receive alerts
Set spending and merchant controls that fit your needs
More control for your finances. More confidence in your security. More time for what matters most.
Technology Spotlight: Members Embrace “Mac”, Our New AI Assistant
We’re excited to introduce our new AI Voice Assistant, affectionately nicknamed “Mac” by our team! Launched on May 27, Mac is here to make your banking experience even more convenient. Later this year, we’ll also be rolling out texting capabilities for even greater accessibility.
Now, when you call us, Mac can help you quickly access your account information, get answers to common questions, and navigate your banking needs—all without waiting on hold. Mac takes care of the routine calls so our team can focus on helping you with more personalized requests.
We’ve been pleased with the positive response to Mac. Both members and staff have embraced these improvements, and we’re committed to continued investment in technology that delivers reliable, convenient banking solutions for you.
Make Buying Your First Home Easier:
Open a First-Time Home Buyer Savings Account at Mainstreet Credit Union.
A First-Time Home Buyer Savings Account helps you save for your first home and get a Kansas state tax break. Tax deductions help your money grow faster (Check with a tax advisor for details). After one year, use the funds for down payments or closing costs.
Who Qualifies?
You may qualify if you haven’t owned a home or been on a property title in the last three years (including after a divorce).
How do I open and register an account?
Open a Savings or Certificate of Deposit Account at Mainstreet Credit Union. We recommend labelling it First-Time Home Buyer Savings or something that helps you distinguish it from other accounts you may have.
To make it official, report the account on Schedule FHBS when you file your Kansas income taxes.
What are the account's limits?
You can contribute up to $3,000 per year ($6,000 for couples), with a lifetime max of $24,000 ($48,000 for couples). The account can’t go over $50,000 to stay tax-free. Keep the money in the account for at least one year before using it for home buying costs. If you take money out early or for non-home expenses, you may have to pay taxes or a penalty.
Join Us at the Ballpark:
Announcing our Exciting Partnership with the KC Diamonds and Member Events at KC Diamonds Home Games
We’re proud to announce a new partnership with the KC Diamonds, Kansas City’s newest professional women’s sports team! We’re joining forces to empower families, champion women’s sports, and create a positive impact that extends far beyond the ballpark.
As the Official Credit Union of the KC Diamonds, we’re excited to bring our member-first mission to this partnership—supporting the team’s inaugural season and connecting with fans throughout the region. The Diamonds compete in the Professional Softball League at Legends Field, bringing elite athletes and high-energy entertainment to our community.
Look for our presence at every home game—we’ll have fun activities and opportunities for members and fans to connect with us!
Teacher Appreciation: Celebrating Educators with the KC Diamonds
We’re especially excited for our annual Teacher Appreciation Night, we have donated 500 tickets to area schools so teachers and students can experience the fun and celebrate the role they play in our community. As a credit union founded by teachers, this tradition means a lot to us. Plus, we’ll recognize a Teacher of the Game at each home match, giving well-deserved appreciation to those who inspire us every day.
This partnership comes at an exciting time for women’s sports and for Kansas City. It’s a meaningful way for us to bring our members together through community pride, entertainment, and education—while helping build a bright future for women’s professional fastpitch in our region.
Catch the Kansas City Diamonds at Legends Field this season! Follow the team for updates, schedules, and special credit union activities.
KC Diamonds - https://www.facebook.com/profile.php?id=61575811542680
Safety Net: Protect What Matters Most as We Grow Older
Elder financial abuse is more common than many people realize, and it’s often happening quietly.
Across the country, financial institutions have reported over 180,000 suspicious cases involving older adults, totaling more than $6 billion in potential or actual losses.*
What makes this even more concerning is how these situations unfold. Many cases don’t happen all at once. They build over time, sometimes over months, before being detected. In many cases, the person responsible is someone the victim knows and trusts.
That’s why one simple idea can make such a difference:
Pause. Ask. Protect.
Pause
If something feels urgent or unusual, take a moment. Pressure is one of the most common tactics used in financial exploitation.
Ask
If something feels off, talk it through with someone you trust or your credit union. A quick conversation can prevent a costly mistake.
Protect
Never share personal or financial information unless you’re completely confident it’s safe.
At Mainstreet, we believe in protecting your financial well-being. It means helping you feel confident in every financial decision you make.
If something doesn’t feel right, trust that instinct and reach out. We’re here to help you protect what matters most.
*Source: Consumer Financial Protection Bureau, Suspicious Activity Reports on Elder Financial Exploitation: Issues and Trends
Donate School Supplies for Local Students in Need
We invite you to contribute new school supplies for local students in need. Until July 31st, bins will be stationed in the lobby of each of our branches to gather vital back-to-school supplies. This initiative is designed to ensure that every student is adequately equipped and ready to learn at the start of the school year. By providing essential supplies, we help students start their year off right.
The success of this drive hinges on the goodwill of community members like you! Acquiring the necessary supplies can be a financial burden, as the average family is projected to spend around $670 this year on educational materials and clothing. Your contributions will make a significant difference in the lives of students in our community!
Needed Supplies:
Backpacks
Notebooks and Binders
Pencils, Pens, and Markers
Calculators
Lunchboxes
Need some ideas? Please follow this link for generic back-to-school supply lists or check out your district's website for more detailed lists!
Thank you for your support!
Do you need help managing your student loans?
If you were enrolled in the SAVE plan, you have until September 1, 2026, to discuss a new repayment option. Start by reaching out to your loan servicer to review your choices. Once you know your options, consider refinancing with LendKey, our trusted student loan partner, for additional support. Visit our website for more details to get started.
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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