--- title: "Mainstreet Credit Union Rates (Nov 2026): CDs to 4.05%" description: "Mainstreet Credit Union rates today: savings & CDs up to 4.05% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Mainstreet Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/kansas/mainstreet" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Mainstreet Credit Union Rates (Nov 2026): CDs to 4.05% ### Auto & vehicle rates 6 offers | Product | Published | Rate | Term / condition | Status | | **New & Used 2025 - 2026** auto_any_60mo | — APR | 7.990% | 60 mo · any | Standard | | **60-Month Used Auto Loan (2024 and Older)** auto_used_60mo | — APR | 8.490% | 60 mo · used | Standard | | **New & Used 2025 - 2026** auto_any_120mo | — APR | 8.490% | 120 mo · any | Standard | | **120-Month Used Auto Loan (2020–2024)** auto_used_120mo | — APR | 8.990% | 120 mo · used | Standard | | **New & Used 2025 - 2026** auto_any_180mo | — APR | 9.490% | 180 mo · any | Standard | | **180-Month Used Auto Loan (2022–2024)** auto_used_180mo | — APR | 9.990% | 180 mo · used | Standard | Mainstreet Credit Union auto & vehicle rates as of November 12, 2026 ### Savings & CD rates 10 offers | Product | Published | Rate | Term / condition | Status | | **Membership Savings/Share Account** share_savings | — APY | 0.15% | — | Standard | | **Set-Aside Savings Requires a minimum opening deposit of $100.** savings | — APY | 0.15% | — | Standard | | **Emergency Savings 2 $1,000.01 and over** savings | — APY | 0.15% | — | Standard | | **Variable Rate IRA & ESA** ira | — APY | 0.20% | — | Standard | | **60-Month Certificate** cd_60mo | 3.15% APY | 3.11% | 60 mo | Standard | | **48-Month Certificate** cd_48mo | 3.25% APY | 3.21% | 48 mo | Standard | | **36-Month Certificate** cd_36mo | 3.50% APY | 3.45% | 36 mo | Standard | | **Youth Certificate - 6 mo. Term** cd_6mo | 3.60% APY | 3.55% | 6 mo | Eligibility restricted | | **24-Month Certificate** cd_24mo | 4.05% APY | 3.99% | 24 mo | Standard | | **Youth Certificate - 12 mo. Term** cd_12mo | 4.30% APY | 4.23% | 12 mo | Eligibility restricted | Mainstreet Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 4.05% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/kansas/mainstreet) , verified from [Mainstreet Credit Union's official website](https://www.mainstreetcu.org/) Loading branch locator… ## About Mainstreet Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 54.3K Assets $693.6M Founded 1953 Locations reported 9 NCUA charter 24858 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Azura** Lenexa · Lenexa · KS · 66215 About 1.6 miles away](https://rateapi.dev/credit-unions/kansas/azura) [**Communityamerica** Corporate Office · Lenexa · KS · 66219 About 1.9 miles away](https://rateapi.dev/credit-unions/kansas/communityamerica) [**Comanche County** Outlink Data Center · Lenexa · KS · 66214-1603 About 2.0 miles away](https://rateapi.dev/credit-unions/oklahoma/comanche-county) [**Nova** Jack Henry Outlink Services · Lenexa · KS · 66214 About 2.0 miles away](https://rateapi.dev/credit-unions/north-carolina/nova) [**Santa Barbara Teachers** Jack Henry & Associates · Lenexa · KS · 66214-1603 About 2.0 miles away](https://rateapi.dev/credit-unions/california/santa-barbara-teachers) [**Universal City Studios** Disaster Recovery data center Jack Henry · Lenexa · KS · 66214-1603 About 2.0 miles away](https://rateapi.dev/credit-unions/california/universal-city-studios) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Mainstreet Credit Union Membership eligibility from Mainstreet Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Mainstreet Credit Union's website. Check the membership page below to confirm whether you qualify. - Location douglas, franklin, johnson, leavenworth, linn, miami, wyandotte, bates, caldwell, cass, clay, clinton, jackson, lafayette, platte, ray — KS, MO Verified from [Mainstreet Credit Union's membership page](https://www.mainstreetcu.org/why-mainstreet/membership-benefits/join-mainstreet/) . Final membership determination is always made by the credit union. ## Membership rules for Mainstreet Credit Union Geography 16 counties 32 published paths to membership, last verified November 8, 2026, quoted from Mainstreet Credit Union’s own published criteria. ### Geography 16 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified November 8, 2026 - Bates County, MO - Caldwell County, MO - Cass County, MO - Clay County, MO - Clinton County, MO - Douglas County, KS - Franklin County, KS - Jackson County, MO - Johnson County, KS - Lafayette County, MO - Leavenworth County, KS - Linn County, KS - Miami County, KS - Platte County, MO - Ray County, MO - Wyandotte County, KS “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Douglas County, KS; Johnson County, KS; Leavenworth County, KS; Wyandotte County, KS; Clay County, MO” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Mainstreet Credit Union? Yes No ## Work at Mainstreet Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Mainstreet Credit Union ranks against Kansas peers. - See which AI assistants fetched Mainstreet Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Kansas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=mainstreet&state=kansas&code=KS&name=Mainstreet%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Mainstreet Credit Union offer? Mainstreet Credit Union currently offers Auto loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Mainstreet Credit Union rates updated? RateAPI verifies Mainstreet Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Mainstreet Credit Union's rate data? Rate data is collected directly from Mainstreet Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Mainstreet Credit Union's best CD rate? As of November 12, 2026, Mainstreet Credit Union offers savings and certificate (CD) yields up to 4.05% APY. ### Who can join Mainstreet Credit Union? Mainstreet Credit Union publishes its membership criteria on its own website. RateAPI tracks 32 published membership paths covering 16 counties for Mainstreet Credit Union, each quoted from Mainstreet Credit Union's own published membership criteria. ## Related Rate Data Compare Mainstreet Credit Union's rates against national credit-union benchmarks. [More Kansas credit unions](https://rateapi.dev/credit-unions/kansas) [Kansas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/kansas) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.mainstreetcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Mainstreet Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Kansas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Mainstreet Credit Union curl "https://api.rateapi.dev/credit-unions/kansas /mainstreet " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Mainstreet Credit Union locations Search, filter, and browse all 9 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/kansas/mainstreet Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp