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Mainstreet Credit Union

Overview
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Mainstreet Credit Union is a federal credit union based in Lenexa, Kansas. It has been opened since 1953, for 67 years.

With around $444,260,000 in assets, Mainstreet Credit Union is considered to be a very large credit union. It has 13 branches and 9 ATM locations.

About
Address 13001 W. 95th Street
Lenexa, Kansas 66215
Website http://www.mainstreetcu.org
Phone (913) 599-1010
Fax (913) 599-4816
CEO John D. Beverlin
President of the Board Carol Mcnary
Services Offered
Map
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Score Card
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67 years
Years in business
Opened in 1953
Well Capitalized
Net worth classification
Source: NCUA
66,333 members
Membership type: Community credit union
Above average number of members
516:1
Credit union member to staff ratio
516 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
$444,258,635
Total assets
Above average
13 branches
Compared with an average of 4 nationally and 2 in Kansas
Above average number of branches
0.20%
Savings interest rate
Compared to 0.3% nationally
8.42%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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13 branches
Compared with an average of 4 nationally and 2 in Kansas
Above average number of branches
Mainstreet Credit Union Branch Locations

Mainstreet Credit Union: Lawrence-23rd Street
1001 E. 23rd Street
Lawrence, Kansas 66046
ATM Available
Mainstreet Credit Union: Lawrence-Merc
901 Iowa Street
Lawrence, Kansas 66044
ATM Available
Mainstreet Credit Union: Smmc
9100 W. 74th Street
Shawnee Mission, Kansas 66204
ATM Available
Mainstreet Credit Union: Honeywell
23500 W. 105th Street
Olathe, Kansas 66061
ATM Available
Mainstreet Credit Union: Lenexa
13001 W. 95th Street
Lenexa, Kansas 66215
ATM Available
Mainstreet Credit Union: Leavenworth
1608 S. 4th Street
Leavenworth, Kansas 66048
No ATM
Mainstreet Credit Union: Mission
6025 Lamar Avenue
Mission, Kansas 66202
ATM Available
Mainstreet Credit Union: Barry Trail
234 NE Barry Road
Kansas City, Missouri 64155
No ATM
Mainstreet Credit Union: Bonner Springs
301 Oak Street
Bonner Springs, Kansas 66012
No ATM
Mainstreet Credit Union: 101 Roeland Park Drive
101 Roeland Park Drive
New Century, Kansas 66031
No ATM
Mainstreet Credit Union: Olathe-Downtown
101 W. Loula Street
Olathe, Kansas 66061
ATM Available
Mainstreet Credit Union: Olathe-East
14280 W. 135th Street
Olathe, Kansas 66062
ATM Available
Mainstreet Credit Union: Wyandotte
8245 State Avenue
Kansas City, Kansas 66112
ATM Available
Members
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66,333 members
Membership type: Community credit union
Above average number of members

With 66,333 members, the Mainstreet Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 93% of credit unions.

Fees
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$41
Average fee per member
The average fee per member at the Mainstreet Credit Union is $41, which is comparable to most credit unions. This rate is lower than 56% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Mainstreet Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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516:1
Credit union member to staff ratio
516 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
128 staff members
FTE (full-time equivalent)
10% of employees are part-time
122 full-time, 13 part-time

Mainstreet Credit Union has 122 full-time staff members and 13 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 90% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Mainstreet Credit Union has around 516 members per staff, a high ratio compared to other credit unions.

Assets
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$444,258,635
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
9.3%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$14,054
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 76% of credit unions.

Mainstreet Credit Union holds a total of $290,600,000 in loans and leases, which is about $14,054 per member on average.

Savings interest rate
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0.20%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Mainstreet Credit Union pays 0.20%.

Loan rates
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8.42%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.61%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.85%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.84%
New car loan rate
Compared to 4.0% nationally
4.57%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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6.30%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
3.46%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally