Credit union · NCUA insured
Mainstreet Credit Union
A $693.6M credit union headquartered in Lenexa, KS, with 54,286 members and 9 branches in 2 states. Best rates: CDs 3.64% and savings 0.50% APY.
Mainstreet Credit Union Carrot Score
75
Carrot Score
Higher than 39% of U.S. banks and credit unions
#42 of 79 in Kansas City, MO-KS metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Mainstreet Credit Union
Mainstreet Credit Union is a member-owned financial cooperative headquartered in Lenexa, Kansas, operating nine branch locations across the Kansas City metro area.
Chartered in 1953 as Northeast Johnson County Teachers' Credit Union, it was founded by educators to help fellow teachers manage their finances.
The credit union evolved into The Credit Union of Johnson County in 1979 before becoming Mainstreet Credit Union in 2010.
- Headquarters
- 13001 W 95th St, Lenexa, KS 66215-3726
- NCUA charter
- 24858
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives or works in specified counties across Kansas and Missouri.
Cost to join
- Membership is free and begins with opening a share savings account with a $5 deposit.
Branches
9 branches in 2 states
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Kansas
8 branches
Kansas City area · 7
- LenexaMain office13001 W 95th St, Lenexa, KS 66215Directions
- Bonner Springs301 Oak St, Bonner Springs, KS 66012Directions
- Wyandotte8245 State Ave, Kansas City, KS 66112Directions
- Leavenworth1608 S 4th St, Leavenworth, KS 66048Directions
- Mission6025 Lamar Ave, Mission, KS 66202Directions
- Olathe-Downtown101 W Loula St, Olathe, KS 66061Directions
- Olathe-East14280 W 135th St, Olathe, KS 66062Directions
Lawrence area · 1
- Lawrence-23rd Street1001 E 23rd St, Lawrence, KS 66046Directions
Missouri
1 branch
- KCMO - Barry Rd8451 N Madison Ave, Kansas City, MO 64155Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.87% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.71% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.17% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $64 | $76 | — |
- CapitalNet worth ratio9.87%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.71%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.17%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$64Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Mainstreet Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.