Credit union · NCUA insured
Mainstreet Credit Union CD Rates
Mainstreet Credit Union’s best CD rate is 3.64% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Mainstreet Credit Union’s CD rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Mainstreet Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mainstreet Credit Union
3.64%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $364
Share Certificate
Top rate
Community National Bank
5.09%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,818
2nd-highest rate
North American Savings Bank
5.00%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $289
Mainstreet Credit Union CD score
74
CD score
Higher than 35% of U.S. banks and credit unions
- 3–8 months3–8 mo3.35%
- 9–15 months9–15 mo3.64%
- 16–30 months16–30 mo3.10%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.64%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Mainstreet Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.64%APY · 6 terms
A Membership Savings/Share Account with a $5 minimum balance is required to establish and maintain membership. A penalty may be assessed in the event of early withdrawal. Dividends are credited and compounded quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends credited and compounded quarterly | 3.35% | $166 |
| 12 monthsDividends credited and compounded quarterly | 3.64% | $364 |
| 24 monthsDividends credited and compounded quarterly | 3.10% | $630 |
| 36 monthsDividends credited and compounded quarterly | 3.25% | $1,007 |
| 48 monthsDividends credited and compounded quarterly | 3.00% | $1,255 |
| 60 monthsDividends credited and compounded quarterly | 2.90% | $1,537 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificate
Up to 3.64%APY · 6 terms
Contributions to Roth and traditional IRAs up to $7,000/year with catch-up option for individuals age 50 or older. A Membership Savings/Share Account with a $5 minimum balance is required to establish and maintain membership. A penalty may be assessed in the event of early withdrawal. Dividends are credited and compounded quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends credited and compounded quarterly | 3.35% | $166 |
| 12 monthsDividends credited and compounded quarterly | 3.64% | $364 |
| 24 monthsDividends credited and compounded quarterly | 3.10% | $630 |
| 36 monthsDividends credited and compounded quarterly | 3.25% | $1,007 |
| 48 monthsDividends credited and compounded quarterly | 3.00% | $1,255 |
| 60 monthsDividends credited and compounded quarterly | 2.90% | $1,537 |
Sources (2)
All captured Sep 18, 2026
Youth Certificate
Up to 3.64%APY · 2 terms
A Membership Savings/Share Account with a $5 minimum balance is required to establish and maintain membership. A penalty may be assessed in the event of early withdrawal. Dividends are credited and compounded quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends credited and compounded quarterly | 3.35% | $166 |
| 12 monthsDividends credited and compounded quarterly | 3.64% | $364 |
Sources (1)
- mainstreetcu.org/savings-and-checking-rates · captured Sep 18, 2026
Who can join Mainstreet Credit Union
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.
Membership information collected October 4, 2026.