What are the current interest rates at Mainstreet Federal Credit Union?

Current rates for Mainstreet Federal Credit Union include: 12-Month CD: 3.64%, 24-Month CD: 3.10%, 60-Month CD: 2.90%, Savings: 5.25%, MMA: 1.20%

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Mainstreet Federal Credit Union

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Mainstreet Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Mainstreet Federal Credit Union's top rates as of October 13, 2026 are 3.64% APY on its Share & IRA CDs - 12 month term, 5.25% APY on savings, 1.20% APY on money market accounts, 0.10% APY on checking, personal loans from 11.00% APR, and credit cards from 9.99% APR, according to rates verified by MonitorBankRates. Other Mainstreet Federal Credit Union CD rates include Youth CD - 12 mo. Term at 3.64%, Share & IRA CDs - 6 month term at 3.35%, and Youth CD - 6 mo. Term at 3.35%. 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 4.02%. Rates last updated and verified on 10/13/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.02%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Mainstreet Federal Credit Union
Lenexa

13001 W 95th St
Lenexa, KS 66215-3726

https://www.mainstreetcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Mainstreet Federal Credit Union CD Rates

Product	Rate	APY	Term
Share & IRA Certificates - 12 month term	3.60%	3.64%	12 month
Min Balance $500 Details Credited & Compounded: Quarterly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.64% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Youth Certificate - 12 mo. Term	3.60%	3.64%	12 months
Min Balance $250 Details Credited & Compounded: Quarterly Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.64% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Share & IRA Certificates - 6 month term	3.31%	3.35%	6 month
Min Balance $500 Details Credited & Compounded: Quarterly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Youth Certificate - 6 mo. Term	3.31%	3.35%	6 months
Min Balance $250 Details Credited & Compounded: Quarterly Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Share & IRA Certificates - 36 month term	3.21%	3.25%	36 month
Min Balance $500 Details Credited & Compounded: Quarterly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Share & IRA Certificates - 24 month term	3.06%	3.10%	24 month
Min Balance $500 Details Credited & Compounded: Quarterly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Share & IRA Certificates - 48 month term	2.97%	3.00%	48 month
Min Balance $500 Details Credited & Compounded: Quarterly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Share & IRA Certificates - 60 month term	2.87%	2.90%	60 month
Min Balance $500 Details Credited & Compounded: Quarterly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%

Mainstreet Federal Credit Union Savings Rates

Product	Rate	APY
Emergency Savings	5.15%	5.25%
Min Balance $0 Details Balance: $0-$1,000; Credited and compounded quarterly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
IRA Savings	0.20%	0.20%
Min Balance $0 Details Credited and compounded quarterly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Emergency Savings	0.15%	0.15%
Min Balance $0 Details Balance: $1,000.01 and over; Credited and compounded quarterly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Membership Savings/Share Account	0.15%	0.15%
Min Balance $5 Details Credited and compounded quarterly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Set-Aside Savings	0.15%	0.15%
Min Deposit $100 Min Balance $0 Details Requires a minimum opening deposit of $100; Credited and compounded quarterly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Youth Savings (Formerly Goal Getters)	0.15%	0.15%
Min Balance $0 Details Credited and compounded quarterly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%

Mainstreet Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings - Share/Savings Account	0.15%	0.15%
Min Balance $5 Details Credited and compounded quarterly; Minimum balance to earn APY: $5 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%

Mainstreet Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market 3 Advantage	1.19%	1.20%
Min Balance $0 Details Balance: Over $100,000; Tiered rate structure; credited and compounded monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Money Market Advantage	1.19%	1.20%
Min Balance $100,000 Details Balance: Over $100,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Money Market 3 Advantage	1.00%	1.00%
Min Balance $75,000 Details Balance: $75,000-$99,999; Tiered rate structure; credited and compounded monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Money Market Advantage	1.00%	1.00%
Min Balance $75,000 Details Balance: $75,000-$99,999 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Money Market 3 Advantage	0.90%	0.90%
Min Balance $50,000 Details Balance: $50,000-$74,999; Tiered rate structure; credited and compounded monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Money Market Advantage	0.90%	0.90%
Min Balance $50,000 Details Balance: $50,000-$74,999 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Money Market 3 Advantage	0.80%	0.80%
Min Balance $25,000 Details Balance: $25,000-$49,999; Tiered rate structure; credited and compounded monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Money Market Advantage	0.80%	0.80%
Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Money Market 3 Advantage	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000-$24,999; Tiered rate structure; credited and compounded monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Money Market Advantage	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000-$24,999 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Money Market 3 Advantage	0.40%	0.40%
Min Balance $1,000 Details Balance: $1,000-$9,999; Tiered rate structure; credited and compounded monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Money Market Advantage	0.40%	0.40%
Min Balance $2,500 Details Balance: $2,500-$9,999 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Money Market Advantage	0.30%	0.30%
Min Balance $1,000 Details Balance: $1,000-$2,499 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%

Mainstreet Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Advantage	1.19%	1.20%
Min Deposit $2,500 Min Balance $100,000 Details Balance: Over $100,000; Credited and compounded monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Business Money Market Advantage	1.00%	1.00%
Min Deposit $2,500 Min Balance $75,000 Details Balance: $75,000-$99,999; Credited and compounded monthly Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Business Money Market Advantage	0.90%	0.90%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000-$74,999; Credited and compounded monthly Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Business Money Market Advantage	0.80%	0.80%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999; Credited and compounded monthly Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Business Money Market Advantage	0.50%	0.50%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000-$24,999; Credited and compounded monthly Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Business Money Market Advantage	0.40%	0.40%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500-$9,999; Credited and compounded monthly Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%

Mainstreet Federal Credit Union Checking Rates

Product	Rate	APY	View More
Classic Club Checking	0.10%	0.10%
Min Balance $0 Details Age 55 and better Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%

Mainstreet Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Advantage Checking	0.10%	0.10%
Min Balance $5,000 Details Monthly fee: $10 if average daily balance drops below $10,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Business Optimum Checking	0.10%	0.10%
Min Balance $5,000 Details Monthly fee: $25 if average daily balance drops below $25,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%

Mainstreet Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loans - New & Used Vehicle	-	-	4.99%	Up to 63 months
Details As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Vehicle Loans - New & Used Vehicle	-	-	5.74%	72-75 months
Details As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit; Minimum Loan Amount: $15,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Vehicle Loans - New & Used Vehicle	-	-	6.24%	76-84 months
Details As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit; Minimum Loan Amount: $20,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Vehicle Loans - Used Vehicle	-	-	6.24%	Up to 63 months
Details As Low As; Model Years: 2018-2021 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Vehicle Loans - Used Vehicle	-	-	6.49%	72-75 months
Details As Low As; Model Years: 2018-2021; Minimum Loan Amount: $15,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Vehicle Loans - Used Vehicle	-	-	7.24%	76-84 months
Details As Low As; Model Years: 2021; Minimum Loan Amount: $20,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Vehicle Loans - Used Vehicle	-	-	7.74%	Up to 48 months
Details As Low As; Model Years: 2017 & Older Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%

Mainstreet Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Harley-Davidson Motorcycle Loans	-	6.74%	Up to 63 months
Details As Low As; Loan Type: New; Model Years: 2024-2026; 100% financing with qualified credit Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Harley-Davidson Motorcycle Loans	-	7.24%	72-75 months
Details As Low As; Loan Type: New; Model Years: 2024-2026; Minimum Loan Amount: $15,000; 100% financing with qualified credit Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Harley-Davidson Motorcycle Loans	-	7.24%	Up to 63 months
Details As Low As; Loan Type: Used; Model Years: 2020-2023; 100% financing with qualified credit Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Harley-Davidson Motorcycle Loans	-	7.74%	72-75 months
Details As Low As; Loan Type: Used; Model Years: 2020-2023; Minimum Loan Amount: $15,000; 100% financing with qualified credit Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Boat, Motorhome, and Travel Trailer Loans	-	7.99%	Up to 60 months
Details Model Years: New & Used 2025 -2026; Minimum Loan Amount: $5,000 minimum Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Harley-Davidson Motorcycle Loans	-	8.24%	76-84 months
Details As Low As; Loan Type: New; Model Years: 2024-2026; Minimum Loan Amount: $20,000; 100% financing with qualified credit Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Boat, Motorhome, and Travel Trailer Loans	-	8.49%	61-120 months
Details Model Years: New & Used 2025-2026; Minimum Loan Amount: $15,000 minimum Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Boat, Motorhome, and Travel Trailer Loans	-	8.49%	121- 180 months
Details Model Years: New & Used 2025-2026; Minimum Loan Amount: $25,000 minimum Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Harley-Davidson Motorcycle Loans	-	8.74%	Up to 63 months
Details As Low As; Loan Type: Used; Model Years: 2017-2019; 100% financing with qualified credit Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Boat, Motorhome, and Travel Trailer Loans	-	8.99%	Up to 60 months
Details Model Years: Used - 2024 & Older; Minimum Loan Amount: $5,000 minimum Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Motorcycle, Jet Skis, ATV Loans - New	-	8.99%	Up to 60 months
Details As Low As; Model Years: 2025-2026; 100% financing with qualified credit Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 8.74% → 8.99% ▲ 0.25 pts · high 8.99% / low 8.74% Oct 5, 20268.99%▲ from 8.74% Sep 14, 20268.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Boat, Motorhome, and Travel Trailer Loans	-	9.49%	61 - 120 months
Details Model Years: Used - 2020-2024; Minimum Loan Amount: $15,000 minimum Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Motorcycle, Jet Skis, ATV Loans - Used	-	9.49%	Up to 48 months
Details As Low As; Model Years: 2024 & Older; 100% financing with qualified credit Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 9.24% → 9.49% ▲ 0.25 pts · high 9.49% / low 9.24% Oct 5, 20269.49%▲ from 9.24% Sep 14, 20269.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Harley-Davidson Motorcycle Loans	-	9.74%	Up to 48 months
Details As Low As; Loan Type: Used; Model Years: 2016 & Older; 100% financing with qualified credit Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Boat, Motorhome, and Travel Trailer Loans	-	9.99%	121 - 180 months
Details Model Years: Used - 2022 - 2024; Minimum Loan Amount: $25,000 minimum Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%

Mainstreet Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Platinum Mastercard	-	9.99%
Details As Low As; Minimum Loan Amount: $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%

Mainstreet Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	11.00%	Up to 36 months
Details As Low As; Terms: Up to 36 months Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75% Sep 29, 202611.00%▲ from 10.75% Sep 14, 202610.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Signature Loan	11.50%	Up to 48 months
Details As Low As; Terms: Up to 48 months; Minimum Loan Amount: $3,000 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 11.25% → 11.50% ▲ 0.25 pts · high 11.50% / low 11.25% Sep 29, 202611.50%▲ from 11.25% Sep 14, 202611.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Signature Loan	12.00%	Up to 60 months
Details As Low As; Terms: Up to 60 months; Minimum Loan Amount: $10,000 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 11.75% → 12.00% ▲ 0.25 pts · high 12.00% / low 11.75% Sep 29, 202612.00%▲ from 11.75% Sep 14, 202611.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%

Mainstreet Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Escrow Accounts	0.05%	-	0.05%
Min Balance $0 Details Credited and compounded quarterly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
High Yield Spend	-	-	3.00%
Min Deposit $0 Min Balance $1,000 Details Qualifications Required; As Low As; Tiered rates apply; Balance: $1,000 minimum balance to avoid a $10 monthly fee; Early Pay - direct deposit up to 2 days early; Round-Up Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
InvestAccount	0.15%	-	0.15%
Min Balance $1,000 Details Balance: $1,000-$9,999; Credited and compounded monthly Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
InvestAccount	0.20%	-	0.20%
Min Balance $10,000 Details Balance: $10,000-$19,999; Credited and compounded monthly Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
InvestAccount	0.25%	-	0.25%
Min Balance $20,000 Details Balance: $20,000-$29,999; Credited and compounded monthly Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
InvestAccount	0.30%	-	0.30%
Min Balance $30,000 Details Balance: $30,000 & over; Credited and compounded monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Mainstreet Federal Credit Union’s Texas Ratio rose from 2.57% in Q3 2023 to 4.02% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$703M	4.02%	5.0	A+
March 31, 2026	$694M	2.99%	5.0	A+
December 31, 2025	$674M	2.98%	5.0	A+
September 30, 2025	$694M	1.71%	5.0	A+
June 30, 2025	$702M	2.54%	5.0	A+
March 31, 2025	$700M	2.28%	5.0	A+
December 31, 2024	$692M	2.56%	5.0	A+
September 30, 2024	$692M	2.76%	5.0	A+
June 30, 2024	$684M	2.64%	5.0	A+
March 31, 2024	$676M	1.68%	5.0	A+
December 31, 2023	$653M	2.63%	5.0	A+
September 30, 2023	$649M	2.57%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 149

Part-Time Employees 2

Branch Locations 9

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.02%

Return on Assets (ROA)

0.5741%

Return on Equity (ROE)

5.8190%

Non-Performing Loans Ratio (NPL)

0.71%

Total Assets

702,662,463

Total Amount of Shares and Deposits

640,074,620

Total Shares and Deposits < 1 Year

622,113,342

Total Shares and Deposits 1 3 Years

6,681,239

Total Shares and Deposits > 3 Years

11,280,040

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

14,078,895

Total Uninsured Shares and Deposits > $250K (F+J)

14,078,895

Total Insured Shares and Deposits > $250K (item 17 less item K)

625,995,725

Total Interest Expense (Sum of items 6 8)

2,933,102

Share Certificates

4,126

Number of Accounts for Share Drafts

36,067

IRA KEOGH Accounts

1,561

Number of Accounts for Regular Shares

60,551

All other shares

4,478

Money Market Shares

2,069

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

73,573,678

Total Liabilities

649,423,102

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Mainstreet Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Mainstreet Federal Credit Union

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

12-Month CD3.64%
24-Month CD3.10%
60-Month CD2.90%
Savings5.25%
MMA1.20%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Mainstreet Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Mainstreet Federal Credit Union Texas Ratio

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Mainstreet Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Mainstreet Federal Credit Union

How many branches does Mainstreet Federal Credit Union operate?

Is a member application needed to join Mainstreet Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Mainstreet Federal Credit Union offer online and mobile banking?

Current Mainstreet Federal Credit Union Rates

Compare to Other Credit Unions