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Meridia Community Federal Credit Union

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Meridia Community Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Meridia Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 29, 2026

Meridia Community Federal Credit Union's Personal Loan Rates are at 4.29%. MonitorBankRates evaluates the financial stability of Meridia Community Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.37%. Rates last updated and verified on 08/29/2026.

Meridia Community Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Meridia Community Federal Credit Union? Share your experience about Meridia Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Meridia Community Federal Credit Union.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.37%

Excellent Lower than avg

Meridia Community Federal Credit Union
Main Office

4500 Southwestern Blvd
Hamburg, NY 14075

https://www.meridiacu.com

Meridia Community Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.29%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%

Meridia Community Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Card	-	9.99%
Details As Low As; Regular APR: 9.99% - 29.99% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Meridia Community Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Meridia Community Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Meridia Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Meridia Community Federal Credit Union

Website https://www.meridiacu.com

Address 4500 Southwestern Blvd, Hamburg, NY 14075

Phone 716-648-4411

Fax 716-648-4526

President Brent Jordan

CEO Michael Hoffman

Full-Time Employees 17

Part-Time Employees 2

Branch Locations 3

ATM Locations 4

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.37%

Return on Assets (ROA)

1.7778%

Return on Equity (ROE)

11.5018%

Non-Performing Loans Ratio (NPL)

0.29%

Total Assets

136,088,694

Total Amount of Shares and Deposits

113,165,018

Total Shares and Deposits < 1 Year

112,708,113

Total Shares and Deposits 1 3 Years

393,223

Total Shares and Deposits > 3 Years

63,682

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

267,211

Total Uninsured Shares and Deposits > $250K (F+J)

267,211

Total Insured Shares and Deposits > $250K (item 17 less item K)

112,897,807

Total Interest Expense (Sum of items 6 8)

703,875

Share Certificates

604

Number of Accounts for Share Drafts

5,246

IRA KEOGH Accounts

203

Number of Accounts for Regular Shares

12,431

Money Market Shares

417

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

19,104,608

Total Liabilities

115,069,005

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Meridia Community Federal Credit Union earned the Verified Strong badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Meridia Community Federal Credit Union

How many branches does Meridia Community Federal Credit Union operate?

Meridia Community Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Meridia Community Federal Credit Union?

Yes, to access services at Meridia Community Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Meridia Community Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Meridia Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Meridia Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Meridia Community Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.meridiacu.com.