Mainstreet Credit Union Savings & Money Market Rates

How Mainstreet Credit Union’s savings 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
0.50%APY
Minimum
$1,000
Earns on $10,000 a year
$50
Money Market Advantage
Top rate
Truity Credit Union
3.75%APY
Minimum
$0
Earns on $10,000 a year
$375
Truity Credit Union rates
2nd-highest rate
UMB Bank
3.71%APY
Minimum
—
Earns on $10,000 a year
$371
UMB Bank rates

Compare savings rates near you →

Savings score

Higher than 51% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.40%
$10,000 balance$10,0000.50%
$100,000 balance$100,0001.20%
QualifiedQualified0.50%

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.

How the score works →

Where Mainstreet Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Emergency Savings

0.15%APYRequirements apply

No minimum opening deposit and no minimum balance required. To qualify for dividends, must have an active Spend account and at least one recurring internal transfer from the Spend account to the Emergency Savings account that posts and settles within the calendar month. Limit one promotional APY per member.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,000Limited-time promotional APY earned on average daily balances up to $1,000 from October 1, 2026 to January 4, 2027 for accounts meeting monthly qualifications (active Spend account and at least 1 recurring transfer from Spend account that posts and settles in calendar month). After promotion, APY reverts to the standard APY. Limit one promotional APY per member.	8.25%	—	Limited-time promotional APY earned on average daily balances up to $1,000 from October 1, 2026 to January 4, 2027 for accounts meeting monthly qualifications (active Spend account and at least 1 recurring transfer from Spend account that posts and settles in calendar month). After promotion, APY reverts to the standard APY. Limit one promotional APY per member.
Up to $1,000Standard tier for balances $0-$1,000. Requires an active Spend account and a recurring internal transfer from Spend to Emergency Savings. Credited and compounded quarterly.	5.25%	—	Standard tier for balances $0-$1,000. Requires an active Spend account and a recurring internal transfer from Spend to Emergency Savings. Credited and compounded quarterly.
Over $1,000Standard tier for balances $1,000.01 and over. Requires an active Spend account and a recurring internal transfer from Spend to Emergency Savings. Credited and compounded quarterly.	0.15%	$15	Standard tier for balances $1,000.01 and over. Requires an active Spend account and a recurring internal transfer from Spend to Emergency Savings. Credited and compounded quarterly.

Sources (3)

All captured Sep 18, 2026

Money Market 3 Advantage

0.50%APY

Tiered rate structure. Credited and compounded monthly. Membership Share Account with $5 minimum balance required.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$1,000 – $9,999	0.40%	—
$10,000 – $24,999	0.50%	$50
$25,000 – $49,999	0.80%	—
$50,000 – $74,999	0.90%	—
$75,000 – $99,999	1.00%	—
$100,000 and up	1.20%	—

Sources (1)

mainstreetcu.org/savings-and-checking-rates · captured Oct 5, 2026

Money Market Advantage

0.50%APY$1,000 to open

Compounded and credited monthly. Requires a minimum opening deposit of $1,000; subject to a $10 monthly fee if balance falls below the minimum requirement. Membership Share Account with $5 minimum balance required.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$1,000 – $2,499Monthly fee of $10 applies if balance falls below $1,000.	0.30%	—	Monthly fee of $10 applies if balance falls below $1,000.
$2,500 – $9,999Monthly fee of $10 applies if balance falls below $1,000.	0.40%	—	Monthly fee of $10 applies if balance falls below $1,000.
$10,000 – $24,999Monthly fee of $10 applies if balance falls below $1,000.	0.50%	$50	Monthly fee of $10 applies if balance falls below $1,000.
$25,000 – $49,999Monthly fee of $10 applies if balance falls below $1,000.	0.80%	—	Monthly fee of $10 applies if balance falls below $1,000.
$50,000 – $74,999Monthly fee of $10 applies if balance falls below $1,000.	0.90%	—	Monthly fee of $10 applies if balance falls below $1,000.
$75,000 – $99,999Monthly fee of $10 applies if balance falls below $1,000.	1.00%	—	Monthly fee of $10 applies if balance falls below $1,000.
$100,000 and upMonthly fee of $10 applies if balance falls below $1,000.	1.20%	—	Monthly fee of $10 applies if balance falls below $1,000.

Sources (1)

mainstreetcu.org/savings-and-checking-rates · captured Oct 5, 2026

Membership Savings/Share Account

0.15%APY$5 to open

Requires a $5 deposit/balance to establish and maintain membership. Dividends are credited and compounded quarterly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upDividends are credited and compounded quarterly.$5 and up	0.15%	$15	Dividends are credited and compounded quarterly.

Sources (2)

All captured Sep 18, 2026

Set-Aside Savings

0.15%APY$100 to open

Requires a minimum opening deposit of $100. No minimum balance required. Dividends credited and compounded quarterly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceRequires a minimum opening deposit of $100. Dividends credited and compounded quarterly.Any balance	0.15%	$15	Requires a minimum opening deposit of $100. Dividends credited and compounded quarterly.

Sources (2)

All captured Sep 18, 2026

Escrow Accounts

0.05%APY

Dividends credited and compounded quarterly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends credited and compounded quarterly.Any balance	0.05%	$5	Dividends credited and compounded quarterly.

Sources (1)

mainstreetcu.org/savings-and-checking-rates · captured Sep 18, 2026

Special-purpose accounts

IRA Savings

0.20%APYIRA

Individual Retirement Account savings available as Traditional, Roth, or SEP plans. Dividends credited and compounded quarterly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends credited and compounded quarterly.Any balance	0.20%	$20	Dividends credited and compounded quarterly.

Sources (3)

All captured Sep 18, 2026

Youth Savings

0.15%APYKids and teens

For members ages 0-9 (formerly Goal Getters). Minors require a parent or legal guardian (18+). No minimum opening deposit or minimum balance. Automatically converts to Student Savings at age 10. Dividends credited and compounded quarterly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends credited and compounded quarterly.Any balance	0.15%	$15	Dividends credited and compounded quarterly.

Sources (3)

All captured Sep 18, 2026

Closed to new customers

InvestAccount

0.20%APYMoney market$1,000 to open

Compounded and credited monthly. Requires a minimum balance of $1,000; subject to a $10 monthly fee if the balance falls below the minimum requirement. Existing InvestAccounts accounts only, new InvestAccounts are no longer available. Membership Savings / Share Account with $5 minimum balance required.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$1,000 – $9,999Monthly fee of $10 applies if balance falls below $1,000.	0.15%	—	Monthly fee of $10 applies if balance falls below $1,000.
$10,000 – $19,999Monthly fee of $10 applies if balance falls below $1,000.	0.20%	$20	Monthly fee of $10 applies if balance falls below $1,000.
$20,000 – $29,999Monthly fee of $10 applies if balance falls below $1,000.	0.25%	—	Monthly fee of $10 applies if balance falls below $1,000.
$30,000 and upMonthly fee of $10 applies if balance falls below $1,000.	0.30%	—	Monthly fee of $10 applies if balance falls below $1,000.

Sources (1)

mainstreetcu.org/savings-and-checking-rates · captured Oct 5, 2026

Christmas Club

0.15%APYClub

No longer offered effective April 1, 2026. Existing accounts automatically convert to a Set-Aside Savings account on October 2, 2026. Dividends credited and compounded quarterly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends credited and compounded quarterly.Any balance	0.15%	$15	Dividends credited and compounded quarterly.

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.

Check membership requirements ↗Branches and institution details

← Mainstreet Credit Union overview

How Mainstreet Credit Union’s savings rates compare

Mainstreet Credit Union savings score

Current savings rates

Emergency Savings

Money Market 3 Advantage

Money Market Advantage

Membership Savings/Share Account

Set-Aside Savings

Escrow Accounts

Special-purpose accounts

IRA Savings

Youth Savings

Closed to new customers

InvestAccount

Christmas Club

Who can join Mainstreet Credit Union

Where you live or work

Cost to join