Credit union · NCUA insured
Mainstreet Credit Union Credit Card Rates
Mainstreet Credit Union credit cards start at 9.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Mainstreet Credit Union’s credit card rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Mainstreet Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Mainstreet Credit Union
9.99%APR
Platinum Mastercard® Credit Card
Lowest rate
R-G Federal Credit Union
8.75%APR
2nd-lowest rate
1st MidAmerica Credit Union
8.90%APR
Mainstreet Credit Union credit card score
82
Credit card score
Higher than 58% of U.S. banks and credit unions
- Purchase APRPurchase APR9.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mainstreet Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Platinum Mastercard® Credit Card
A Share Savings Account with a $5 minimum balance is required to establish and maintain membership.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99% | None | Actual rate based on creditworthiness criteria. Minimum loan amount $500. Same great low interest rate for purchases, cash advances, and balance transfers. No balance transfer fee. 25-day grace period on purchases. Free $1,000,000 travel accident insurance. |
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This may be incomplete or out of date, so check with the credit union before you apply.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.