Frequently Asked Questions

1. What is a credit union?

A credit union is a non-profit cooperative financial institution (or co-op) run by members and formed to promote savings and financial security by providing special financing rates and other valuable financial services.

The most important thing to know about credit unions is that we are member-owned and operated. By depositing funds into your credit union account, you are buying bank shares, effectively making you an owner and giving you a say in everything we do.

We are here to serve you, our members, not to make big profits to line the pockets of corporate shareholders somewhere. What that means to you is that we're looking out for you, giving you the best service is our number one priority, and that every dollar earned will go right back into providing our members with the best accounts, products, and services around.

2. What is the NCUA?

Since President Roosevelt created the Federal Credit Union Act in 1934, the National Credit Union Administration (NCUA) has been overseeing and protecting credit unions all over the country. In addition to its other responsibilities, the NCUA insures savings in federal and most state-chartered credit unions across the country through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government. That means when you see the NCUA symbol, you can relax knowing your money is safe and sound. For more information, go to http://www.ncua.gov/

3. How can I make a loan payment?

  • By mail -- P.O. Box 2111 Baton Rouge, LA 70821
  • By phone -- 225.387.5646 or 800.436.8328
  • Service Center --To find a location nearest you visit www.cuservicecenter.com or call 800.919.CUSC (2872). Bring a photo i.d. and your account number with you.
  • Online Banking -- Payments can be transferred through Online Banking from your Main Street Financial Federal Credit Union accounts.
  • Payment Center -- Make payments using funds from another Financial Institution's checking account, savings account, credit card or debit card through Payment Center.

4. How can I make a Credit Card Payment?

  • Online Banking
  • By mail -- P.O. Box 2111 Baton Rouge, LA 70821 or Visa/MasterCard, P.O. Box 672051, Dallas, Texas, 75267-2051.
  • By phone -- 225.387.5646 or 800.436.8328
  • Online - www.gotomycard.com
  • Payment Center -- Make payments using funds from another Financial Institution's checking account, savings account, credit card or debit card through Payment Center.

5. What is the routing number?

  • 265473540

6. How do I set up direct deposit to my Main Street Financial Federal Credit Union account?

  • Checking Account: Simply provide your employer with a cancelled check or the information listed at the bottom of your check, routing number and checking account ID number.
  • Savings Account: Simply provide your employer with our routing number and your member number. Be sure to let your employer know the type of account being used, savings or checking.