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Newsletter - Spring 2025

Mainstreet Talk

Mainstreet Credit Union Newsletter

Girl jumping and happy because has money

 A $300* Bonus is Like Finding Money in

Your Sofa, Minus the Crumbs!

Earn a $300 bonus* when you open a checking account and complete these three steps:  

1.) Sign up for eStatements  

2.) Set up a qualifying direct deposit  

3.) Make 10 debit transactions in 90 days.  

Mainstreet offers a variety of options with plenty of perks. Simply choose the one that fits your financial needs and goals, and we’ll take care of the rest.  

Take advantage of this promotion from April 1st – June 30th, 2025!  

 

*Offer valid for checking accounts opened between April 1, 2025, and June 30, 2025. Limit one account per person. Valid for new Members and current Members without an established checking account. Requires a new checking relationship with the Credit Union (those with existing checking accounts do not qualify). $300 Bonus - Checking Account Bonus Requirements: Membership eligibility required. The Member must open the checking account by June 30, 2025. The Member must have 10 posted point of sale transactions within 90 days from account opening (Transactions exclude refunds/credits, and ATM transactions) and have two direct deposits through ACH or RTP including Payroll, Pension, or Government benefits posted with a cumulative total of $400 or more within 90 days of account opening. 

The membership account number tied to the checking account must be enrolled in e-Statements. The $300 will be deposited into the primary savings account within 60 days of meeting the qualifications. Account must be active and in good standing with a positive balance at the time of bonus payout with no fraudulent activity. Business, Minor, Trust, Custodial, Representative Payee and Fresh Start accounts are not eligible for this promotion. All bonus payments will be reported to the Internal Revenue Service as an extraordinary dividend in the year they are paid. Members can receive only one new checking account opening related bonus every three years. Offer is subject to change without notice. Officials and immediate family members of an official of Mainstreet Credit Union are not eligible. 

 Federally Insured by NCUA. 


Green Banner with workers sitting together at a meeting.

Events Around the Corner

ANNUAL MEETING

Date: April 10th 
Time: 4-5 P.M. 
Location: Johnson County Arts and Heritage Center 
8788 Metcalf Ave, Overland Park, KS 

RSVP by calling 913-577-0290  

Learn More


Person having fun at a concert

Member Appreciation Event:

Join Mainstreet at Boulevardia! 

Boulevardia1 - June 14, 2025 

As a token of appreciation for our members, we are pleased to offer tickets to Boulevardia- an urban food, beer, and music festival celebrating Kansas City's community and culture! 

Each member may reserve up to TWO (2) General Admission tickets. Tickets are limited and first come, first served. Additional tickets can be purchased at the Boulevardia site linked below. 

When registering, please select a Mainstreet Credit Union branch for ticket pickup, as only physical tickets will be issued. They will be available for collection from Wednesday, May 7th, to Saturday, June 7th. If your tickets are not claimed by the end of business hours on June 7th, they will be redistributed. Tickets from EventBrite are not valid. 

For more information regarding Boulevardia - click here to be redirected to the FAQ page on their website! 


1 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 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. For non-employee member households only. 

April is financial literacy month

 How Well Do You Understand Your Finances?

Financial Literacy Month is celebrated every April to emphasize the importance of financial education and responsibility. 

We want to remind you of the resources available through Mainstreet Credit Union that are designed to help you gain the financial knowledge you need to make confident and informed financial decisions - not just in April, but throughout the entire year.   

Check out our collection of FREE articles and interactive activities for all ages in 10+ different languages. Click here to access these resources.

 Additionally, consider completing a Financial Check Up form to initiate your free credit score analysis. This analysis includes a soft inquiry that won’t impact your score but identifies savings opportunities. Whether you have good credit, no credit or need repairs, we’re here to help. Contact us to learn how to optimize your credit score and save!  

Remember, we are always here to support you through financial challenges and successes. Call 913-599-1010 or visit one of our branches for assistance.

 

Discover the Savings Our Members Achieved in Just Three Months 

This data illustrates the cumulative savings our members achieved during the first quarter of 2025, stemming from refinancing from higher interest loans to lower interest loans with Mainstreet, debt consolidation which decreased monthly expenses and enhanced credit scores so our members can continue to save on things like car insurance premiums, credit cards, auto loans and much more.  

Monthly Payments 

  • Total Monthly Savings: $8,818.30 per month 

  • Average Savings per Member Each Month: $191.70  

Interest Savings 

  • Total Interest Savings over the life of the Loan: $713,057.92 

  • Average Interest Savings per loan for its Duration: $15,501.26 per member 

Credit Score Improvements 

  • Average Increase in Credit Scores per Member: 56-point increase per member 

Call or visit us - we are available to assist you in exploring options that may lead to further savings.   

two co workers high-fiving

Real Member Success Stories at Mainstreet Credit Union 

Check out these inspiring stories that highlight how we’ve supported our members through Financial Check-ups and credit score analysis! 
 
Olathe East branch:   
We helped a member consolidate two credit cards, saving them $6,397 in interest and lowering their payment by $100, with the potential to boost their credit score by 20 points. 
 
Lenexa Branch:
We assisted a member in paying off five high-interest credit cards using home equity, saving them $400 monthly and over $30,000 in interest. 
 
- Another member had their high-interest credit cards restructured into a four-year personal loan, reducing their monthly obligation by $237 and saving over $14,280 in interest. 
 
Mission Branch:
A member consolidated high-interest debt into a single loan, saving $3,713 in interest and potentially increasing their credit score by 37 points. 
 
We’re dedicated to simplifying finances and helping our members save money while improving their credit health! Visit any of our branches for a Financial Check-Up or Credit Score Analysis today! 

don't tax my credit union graphic

Don’t Tax My Credit Union...

Changing the credit union tax status would be a tax increase on more than 140 million Americans. As not-for-profit financial cooperatives, credit unions take a “people first” approach. That means a focus on serving members instead of chasing profits. And that’s exactly what makes credit unions the best option for safe and affordable financial services for families and small business owners. 

In late February, the House Ways and Means Republicans discussed the credit union tax status and reported plans to work on tax legislation. America’s Credit Unions has issued an action alert in support of the credit union tax status. House Ways and Means Chairman Jason Smith, R-Mo., said he hopes to have a tax bill on the president’s desk by Memorial Day.   

“The time is now for credit unions to stand up with a unified voice and protect the tax status that is under threat. Its value is being questioned right when credit unions are needed the most to support members and get the economy back on track,” said America’s Credit Unions President/CEO Jim Nussle. “Not a single elected official came to Washington, D.C., to knowingly raise taxes on 140 million Americans, and it’s time they understand that’s exactly what changing the tax status would mean for their constituents.” 

To amplify your support for credit unions status go to the Member Activation Program , a Grassroots Action Center, to directly contact your elected officials. 

someone getting notifications on their phone

Keep Your Contact Information
Up to Date. 

We have some exciting news. We will be transitioning to VISA debit cards in late summer 2025. This means if you have a debit card, now is a good time to verify your contact information to ensure you receive your new debit card without delay, please take a moment to verify your contact information is correct.  

You can update your address, email and phone number through Online and Mobile Access.  

  1. Begin by logging in to Online Access or Mobile Access.  

  1. Click on your photo or initials.  

  1. Select the edit option next to the specific field you wish to change.  

  1. Input your new information accordingly.  

If you require assistance or do not have digital banking call 913-599-1010 or visit one of our branches - We’re here to help!

woman exploring homes

Unlock Your Home’s Potential
This Spring! 

Transform your living space into the sanctuary you've always dreamed of with our Home Equity solutions. This season is the perfect opportunity to invest in home improvements that enhance both comfort and value. Whether you’re envisioning a modern kitchen, a serene outdoor retreat, or essential repairs, our flexible financing options empower you to turn your ideas into reality. 

Embrace this season of fresh beginnings—tap into your home’s equity today and let your vision flourish! 

Learn More 

The Refer-A-Friend program
gives you up to $400!*

refer a friend, and earn $400 graphic

We’ve made putting up to $400* in your pocket even easier! When you refer your friends, family, co-workers, babysitters, dog walkers, or ANYONE to Mainstreet Credit Union, you BOTH get $50. They can open a deposit account, consumer loan, or a checking account to start the process. Just a few easy qualifying transactions are needed to earn the rewards. Terms and conditions apply. Refer today and start rewarding yourself for being a Mainstreet Credit Union member! 

* Membership eligibility and other qualifications apply. Review Full Terms and Conditions

Share Certificate Special

4.25% APY* for 7-Months

 

You work hard for your money. Now, make your money work harder for you with a Share Certificate. With as little as $500, you can start to see your savings grow faster. Take advantage of this special offer while it lasts.

Learn More 

Open Yours Today 

Advertised rates and APY are offered at Mainstreet Credit Union’s discretion. Fixed and adjustable Certificate rates are not guaranteed until your Certificate is funded and issued. A $500 minimum deposit is required. Certificates have a maximum deposit amount of $250,000. Membership qualifications apply. 

* The 4.25% APY (Annual Percentage Yield) promotional certificate has a term of 7 months, and the offer is effective as of April 1, 2024, and scheduled to end on May 31, 2024. Business accounts and corporate entities are not eligible. The promotional 7-month certificate will mature into a 6-month certificate at the then-current rate. Penalties may apply for early withdrawal. Fees could reduce earnings on these accounts. The offer is subject to change or may end at any time.  

Federally Insured by NCUA 

MRIC Logo

Joining forces with Cetera Investment Services LLC 

Mainstreet Federal Credit Union has entered into an agreement to provide investment services through Cetera Investment Services LLC. We are excited to join forces with Cetera Investment Services LLC, and the future opportunities that they can provide. 

You will continue to work with your current financial professional at Mainstreet Federal Credit Union. Their phone and office location will not change. 

We truly believe that this new alliance will allow us to continue providing you with the investment products and technologies you deserve. It is our goal to make the transfer of your accounts to Cetera Investment Services as easy and seamless as possible. If you have any questions or concerns, please feel free to contact your financial professional. 

David F. Loftus, RICP® CLU®, CHFC® I Wealth Advisor 
13001 W. 95th St., Lenexa, KS 66215 
dave.loftus@ceterais.com  I  Office 913.599.1010 or Direct 913.577.0210 


Mike Thornhill I Wealth Advisor 
14280 W. 135th St., Olathe, KS 66062 
mike.thornhill@ceterais.com  I  Office 913.599.1010 or Direct 913.261.0327 


Sara J. DuBois | Registered Administrative Assistant 
13001 W. 95th St., Lenexa, KS 66215 
sara.dubois@ceterais.com  I  Office 913.599.1010 or Direct 913.577.0211 


Mainstreet Retirement & Investment Center is a marketing name of Cetera Investment Services.  Securities and insurance offered through Cetera Investment Services LLC, member  FINRA/SIPC.  Advisory services 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.