Make your savings goal a reality
Savings should fee doable at every stage. At Mainstreet Credit Union it only take $5 to open a membership.
Whether you're building an emergency fund, helping your kids form healthy financial habits, or planning for the future, we offer flexible options, helpful tolls and real guidance to help you reach your goals.
Membership Share Savings
Required to maintain membership
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All it takes is a $5 deposit. It's that simple.
- Earns quarterly dividends.
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You can even open sub-share accounts to manage your budgeting and savings goals.
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Choose the name that works for you - Vacation, Wedding, Home Improvement.
- View current rates
- Open an Account
Set-Aside Savings
Organize your savings for multiple
short-term goals
short-term goals
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$100 minimum opening deposit
- No minimum balance required
- Earns quarterly dividends.
- Create multiple savings accounts for different goals.
- Choose the name that works for you - Vacation, Wedding, Home Improvement.
- View current rates
Emergency Savings
Establish a safety net for life's surprises.
- No minimum opening deposit
- No minimum balance
- Earn a higher APY1 with monthly recurring transfers from a Spend account
- Use payroll deduction to grow your savings throughout the year.
- View current rates
Youth Savings
Make saving fun and start building good financial habits.
- No minimum opening deposit
- No minimum balance
- Earn tokens and prizes for deposits
- Earns quarterly dividends
- Automatically converts to Student Savings at age 10
- Learn more about Youth Accounts
Student Savings
Flexible savings for growing independence.
- No minimum opening deposit
- No minimum balance
- Earns quarterly dividends
- Converts to Set-Aside Savings at age 27
- Graduation Rewards:
$50 Graduating Middle School
$100 Graduating High School
$250 Graduating 4-year College or Technical School - Learn more about Youth Accounts
Retirement Savings Options
Planning for tomorrows starts today
Traditional IRAs
If you are currently working and will not reach age 72 this year, a Traditional IRA could be for you.
If you are currently working and will not reach age 72 this year, a Traditional IRA could be for you.
- Roth IRAs
provide additional incentives for retirement savings and additional options as to how the money can be used. - Certificate IRA
Combine retirement savings with the security of a guaranteed rate. - Simplified Employee Pension (SEP) IRA
A retirement option for self-employed individuals and small business owners2. - Learn more about IRAs
- View Current Rates
- Open an Account
High-Yield Savings Options
Savings that work a little harder
Money Market Advantage
Earn more while keeping your finds accessible
-Tiered dividends rates
-$1,000 minimum balance3- Share Certificates
Guaranteed earnings for predictable growth.
-$500 minimum opening deposit
-Flexible terms and competitive rates
-Flexible terms and competitive rates
- Early Savers Certificate (Ages 0-19)
$250 minimum opening deposit
Flexible terms and competitive rates
- Open a Money Market or Certificate
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Coverdell Education
Savings Mainstreet's Coverdell ESA helps parents and students save for educational expenses.
What You Get
Every Mainstreet savings account includes tools to make managing your money easier:
OnlineAccess
Secure access to your accounts anytime
Secure access to your accounts anytime
Mobile App
View balances, transfer funds, receive alerts, and deposit checks.
- eStatements
Paperless records free of charge - Shared Branching
More than 5,000 branches nationwide -
Direct Deposit & Payroll Deduction
Grow your savings automatically with recurring deposits
Financial Counseling
Get one-on-one guidance to build financial literacy and confidence.
Additional Services
Early Pay4 lets you get your paycheck up to two days early.
Early access to paychecks depends on when Mainstreet CU receives the payment file from your employer, which can be up to two days before the scheduled date.
Early access to paychecks depends on when Mainstreet CU receives the payment file from your employer, which can be up to two days before the scheduled date.
No special enrollment is required for the standard 2-day early deposit; it happens automatically once direct deposit is set up.
- Round-Up lets you build your savings with every purchase.
Open a Mainstreet Spend account, then opt in for Round-Up, every purchase you make with your Mainstreet Credit Union Visa® debit card is rounded up to the nearest dollar.
The round-up cents are deposited into a Mainstreet savings account of your choice.
1APY= Annual Percentage Yield
2Mainstreet accepts SEP contributions but does not administer SEP plans.
3$10 service fee applied if balance falls below required minimum.
4Early 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
Open a Savings Account
Already a Mainstreet CU member?
Wondering which savings account from Mainstreet Credit Union is right for you? Contact us, or visit us in person at one of our branches located in North Kansas City, Missouri or the following Kansas cities: Bonner Springs, Kansas City, Lawrence, Leavenworth, Lenexa, Mission, Olathe.