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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Mainstreet Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 6, 2026
Mainstreet Federal Credit Union's Share & IRA CDs 12 month term rates are at 3.64%, Share & IRA CDs Youth CD - 12 mo. Term rates are at 3.64%, Share & IRA CDs 6 month term rates are at 3.35%, Share & IRA CDs Youth CD - 6 mo. Term rates are at 3.35%, Share & IRA CDs 36 month term rates are at 3.25%. Mainstreet Federal Credit Union's savings rates are at 0.15%. Mainstreet Federal Credit Union's money market rates are at 0.30%. Mainstreet Federal Credit Union's Personal Loan Rates are at 10.75%. MonitorBankRates evaluates the financial stability of Mainstreet Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.79%. Rates were last updated on 04/06/2026. Mainstreet Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Mainstreet Federal Credit Union? Share your experience about Mainstreet Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Mainstreet Federal Credit Union. Mainstreet Federal Credit Union
Lenexa 13001 W 95th St
https://www.mainstreetcu.org Lenexa, KS 66215 3726 
Mainstreet Federal Credit Union CD Rates
Mainstreet Federal Credit Union Savings Rates
Mainstreet Federal Credit Union Money Market Rates
Mainstreet Federal Credit Union Checking Rates
Mainstreet Federal Credit Union Auto Loan Rates
Mainstreet Federal Credit Union Credit Card Rates
Mainstreet Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Mainstreet Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Mainstreet Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Mainstreet Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Mainstreet Federal Credit Union
Website
https://www.mainstreetcu.org
Address
13001 W 95th St,
Lenexa, KS 66215 3726
Phone
913-599-1010
Fax
913-599-4816
President
Paul Alvarado
CEO
Bob Mayes
Full-Time Employees
140
Part-Time Employees
2
Branch Locations
10
ATM Locations
10
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.79%
Return on Assets (ROA)
0.4428%
Return on Equity (ROE)
4.7900%
Non-Performing Loans Ratio (NPL)
0.29%
Total Assets
694,160,740
Total Amount of Shares and Deposits
615,943,509
Total Shares and Deposits < 1 Year
582,118,086
Total Shares and Deposits 1 3 Years
20,494,842
Total Shares and Deposits > 3 Years
13,330,581
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
12,085,046
Total Uninsured Shares and Deposits > $250K (F+J)
12,085,046
Total Insured Shares and Deposits > $250K (item 17 less item K)
603,858,463
Total Interest Expense (Sum of items 6 8)
5,111,097
Share Certificates
4,091
Number of Accounts for Share Drafts
35,543
IRA KEOGH Accounts
1,585
Number of Accounts for Regular Shares
60,948
All other shares
2,321
Money Market Shares
2,030
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
48,560,695
Total Liabilities
647,811,565
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Mainstreet Federal Credit UnionIs Mainstreet Federal Credit Union a safe place to deposit money?Yes, Mainstreet Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 1.7936835484043%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Mainstreet Federal Credit Union operate?Mainstreet Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Mainstreet Federal Credit Union?Yes, to access services at Mainstreet Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Mainstreet Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Mainstreet Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Mainstreet Federal Credit Union offer online and mobile banking?Most modern institutions like Mainstreet Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mainstreetcu.org. Current Mainstreet Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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