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Meridian Trust Federal Credit Union

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Meridian Trust Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Meridian Trust Federal Credit Union?

Current rates for Meridian Trust Federal Credit Union include: 18-Month CD: 3.20%, 24-Month CD: 3.25%, 60-Month CD: 3.40%, Savings: 0.05%, MMA: 6.00%

Q: What CD terms does Meridian Trust Federal Credit Union offer?

Meridian Trust Federal Credit Union CD rates are 3.55% APY for a 6 month CD, 3.20% APY for an 18 month CD, 3.25% APY for a 2 year CD, 3.30% APY for a 3 year CD, 3.35% APY for a 4 year CD and 3.40% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Meridian Trust Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Meridian Trust Federal Credit Union's 6 Month CD rates are at 3.55%, 60 Month CD rates are at 3.40%, 48 Month CD rates are at 3.35%, 36 Month CD rates are at 3.30%, 24 Month CD rates are at 3.25%. Meridian Trust Federal Credit Union's savings rates are at 0.05%. Meridian Trust Federal Credit Union's money market rates are at 6.00%. Meridian Trust Federal Credit Union's checking rates are as high as 4.00%. Meridian Trust Federal Credit Union's RV, Boat and Powersport Loan Rates are as low as 6.49%. Meridian Trust Federal Credit Union's Credit Card Rates are at 12.00%. Meridian Trust Federal Credit Union's CD rates are 17% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Meridian Trust Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.45%. Rates last updated and verified on 10/28/2026.

Meridian Trust 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 Meridian Trust Federal Credit Union? Share your experience about Meridian Trust Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Meridian Trust Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.45%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Meridian Trust Federal Credit Union
Meridian-East

4349 E Lincolnway
Cheyenne, WY 82001

https://www.mymeridiantrust.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Meridian Trust Federal Credit Union CD Rates

Product	Rate	APY	Term
6 Month Share Certificate	-	3.55%	6 months
Min Deposit $500 Min Balance $500 Details Pay monthly; $500 minimum deposit; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term; Membership required Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Certificates and IRA Share Certificates - 6 month	-	3.55%	6 months
Min Deposit $500 Min Balance $500 Details Pay monthly; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
60 Month Share Certificate	3.35%	3.40%	60 months
Min Deposit $500 Min Balance $500 Details Pay monthly; $500 minimum deposit; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term; Membership required Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Certificates and IRA Share Certificates - 60 month	3.35%	3.40%	60 months
Min Deposit $500 Min Balance $500 Details Pay monthly; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
48 Month Share Certificate	3.30%	3.35%	48 months
Min Deposit $500 Min Balance $500 Details Pay monthly; $500 minimum deposit; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term; Membership required Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Certificates and IRA Share Certificates - 48 month	3.30%	3.35%	48 months
Min Deposit $500 Min Balance $500 Details Pay monthly; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
36 Month Share Certificate	3.25%	3.30%	36 months
Min Deposit $500 Min Balance $500 Details Pay monthly; $500 minimum deposit; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term; Membership required Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Certificates and IRA Share Certificates - 36 month	3.25%	3.30%	36 months
Min Deposit $500 Min Balance $500 Details Pay monthly; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
24 Month Share Certificate	3.20%	3.25%	24 months
Min Deposit $500 Min Balance $500 Details Pay monthly; $500 minimum deposit; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term; Membership required Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Certificates and IRA Share Certificates - 24 month	3.20%	3.25%	24 months
Min Deposit $500 Min Balance $500 Details Pay monthly; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
18 Month Share Certificate	3.15%	3.20%	18 months
Min Deposit $500 Min Balance $500 Details Pay monthly; $500 minimum deposit; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term; Membership required Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 3.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Certificates and IRA Share Certificates - 18 month	3.15%	3.20%	18 months
Min Deposit $500 Min Balance $500 Details Pay monthly; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
30 Month Share Certificate	3.06%	3.10%	30 months
Min Deposit $500 Min Balance $500 Details Pay monthly; $500 minimum deposit; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term; Membership required Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 3.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Certificates and IRA Share Certificates - 30 month	3.06%	3.10%	30 months
Min Deposit $500 Min Balance $500 Details Pay monthly; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%

Meridian Trust Federal Credit Union Savings Rates

Product	Rate	APY
Steady Savers Club	2.47%	2.50%
Min Deposit $25 Min Balance $100 Details up to $1,500; Balance: up to $1,500; Tiered Rate account; deposit(s) or balance transfer(s) of $50 or more each month required for Steady Savers APY; membership required; open a new Steady Savers Club account to receive a free stuffed turtle while supplies last Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Claim Your Youth Savings Account	0.05%	0.05%
Min Deposit $10 Min Balance $100 Details Youth Accounts Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Health Savings Accounts (HSAs)	0.05%	0.05%
Min Deposit $0 Min Balance $100 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Kirby Kangaroo Club Kids Savings Program	0.05%	0.05%
Min Deposit $10 Min Balance $100 Details Youth Accounts Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Savings	0.05%	0.05%
Min Deposit $10 Min Balance $100 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Steady Savers Club	0.05%	0.05%
Min Deposit $25 Min Balance $100 Details over $1,500; Balance: over $1,500; Tiered Rate account; deposit(s) or balance transfer(s) of $50 or more each month required for Steady Savers APY; membership required Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%

Meridian Trust Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings Accounts	0.05%	0.05%
Min Deposit $10 Min Balance $100 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%

Meridian Trust Federal Credit Union Money Market Rates

Product	Rate	APY
Momentum Money Market	5.84%	6.00%
Min Balance $0 Details Balance: $0.00 - $2,000.00 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 6.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Momentum Money Market	-	3.90%
Min Balance $2,000 Details Published APY range: 3.90-5.99%. Balance: $2,000.01 - $5,000.00 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Money Market	1.98%	2.00%
Min Balance $150,000 Details Balance: $150,000 and over; Also listed under Money Market and IRA Money Market Accounts Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Money Market	0.99%	1.00%
Min Balance $100,000 Details Balance: $100,000 - $149,999; Also listed under Money Market and IRA Money Market Accounts Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Money Market	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Also listed under Money Market and IRA Money Market Accounts Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Money Market	0.35%	0.35%
Min Balance $25,000 Details Balance: $25,000 - $49,999; Also listed under Money Market and IRA Money Market Accounts Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Money Market	0.30%	0.30%
Min Balance $10,000 Details Balance: $10,000 - $24,999; Also listed under Money Market and IRA Money Market Accounts Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Money Market	0.25%	0.25%
Min Balance $2,500 Details Balance: $2,500 - $9,999; Also listed under Money Market and IRA Money Market Accounts Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Momentum Money Market	0.10%	0.10%
Min Balance $10,000 Details Published APY range: 0.10-2.20%. Balance: $10,000.01 and over Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Money Market	0.05%	0.05%
Min Balance $0 Details Balance: $0 - $2,499; Also listed under Money Market and IRA Money Market Accounts Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%

Meridian Trust Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business YieldWise Money Market Account	1.56%	1.57%
Min Deposit $500 Min Balance $150,000 Details Balance: $150,000 and over; Minimum Balance to Earn APY: $0; Maintenance Fee: $15; Minimum Balance to Avoid Service Charge: $1,500; Dividends Compounded & Credited: Monthly; Dividend Period: Monthly Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 1.57% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Business YieldWise Money Market Account	1.25%	1.26%
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 - $149,999.99; Minimum Balance to Earn APY: $0; Maintenance Fee: $15; Minimum Balance to Avoid Service Charge: $1,500; Dividends Compounded & Credited: Monthly; Dividend Period: Monthly Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 1.26% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Business YieldWise Money Market Account	1.00%	1.01%
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - $49,999.99; Minimum Balance to Earn APY: $0; Maintenance Fee: $15; Minimum Balance to Avoid Service Charge: $1,500; Dividends Compounded & Credited: Monthly; Dividend Period: Monthly Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 1.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Business YieldWise Money Market Account	0.75%	0.75%
Min Deposit $500 Min Balance $1,000 Details Balance: $1,000 - $9,999.99; Minimum Balance to Earn APY: $0; Maintenance Fee: $15; Minimum Balance to Avoid Service Charge: $1,500; Dividends Compounded & Credited: Monthly; Dividend Period: Monthly Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Business YieldWise Money Market Account	0.50%	0.50%
Min Deposit $500 Min Balance $0 Details Balance: $0 - $999.99; Minimum Balance to Earn APY: $0; Maintenance Fee: $15; Minimum Balance to Avoid Service Charge: $1,500; Dividends Compounded & Credited: Monthly; Dividend Period: Monthly Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%

Meridian Trust Federal Credit Union Checking Rates

Product	Rate	APY
Free Checking	3.93%	4.00%
Min Balance $1,000 Details Qualifications Required; Balance: up to $15,000.00 earns 4.00% APY; balances over $15,000 earn 0.00%; Meets MaxRewards criteria; Personal accounts only; credit union membership required Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
MaxRewards Checking	-	4.00%
Min Balance $1,000 Details Qualifications Required; Balance: up to $15,000.00 earns 4.00%; balances over $15,000.00 earn 0.00%; Tiered Rate account; Personal accounts only Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
MaxRewards Free Checking	-	4.00%
Details Earn as much as 4.00% APY; qualification requirements not stated on this page Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%

Meridian Trust Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (HELOC) - Fixed Rate HELOC	-	-	6.75%
Details As Low As; Draw Period: 24 months; Repayment Period: 60 months; Adjust/Reprice: Fixed rate; Max CLTV: Lesser of 95% LTV or $200,000; Lowest stated APR assumes a credit score of 750 or above and a CLTV of 95% or less; $99 origination fee; No annual fee; APR not to exceed 18% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Home Equity Line of Credit (HELOC) - Variable Rate HELOC	-	-	6.75%
Details As Low As; Draw Period: 120 months; Repayment Period: 240 months; Adjust/Reprice: Monthly based on prime rate; Max CLTV: Lesser of 95% LTV or $399,999; Lowest stated APR assumes a credit score of 750 or above and a CLTV of 95% or less; $99 origination fee; No annual fee; APR not to exceed 18% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Home Equity Loan - Fixed Rate	7.75%	-	7.764%	Up to 240 months
Details As Low As; Max CLTV 95%; $99 origination fee; Lowest stated APR assumes a credit score of 750 or above and CLTV of 95% or less Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.76% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%

Meridian Trust Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Business Vehicle Loans - New and Used Auto and Truck - Vehicles 2025-2026	-	-	4.74%
Details As Low As; Vehicles 2025-2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
New and Used Auto Loans - Cars and Trucks - Vehicles 2025-2026	-	-	4.74%
Details As Low As; Model year 2025-2026; Lowest stated APR assumes credit score of 750 or above and includes automatic payment discount of 0.25%; Lowest rate without discounts is 4.99%; Loan terms up to 96 months on 2025 or newer Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Auto Loan - Cars, Trucks, and SUVs	-	-	4.99%	Up to 96 months
Details As Low As; Lowest rate without discounts is 4.99%; Lowest stated APR includes 0.25% automatic payment discount; Loan terms up to 96 months on 2025 or newer; No payments required for first 45 days; Age 18 or over Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Business Vehicle Loans - New and Used Auto and Truck - Vehicles 2018-2024	-	-	5.99%
Details As Low As; Vehicles 2018-2024 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
New and Used Auto Loans - Cars and Trucks - Vehicles 2018-2024	-	-	5.99%
Details As Low As; Model year 2018-2024; Lowest stated APR assumes credit score of 750 or above and includes automatic payment discount of 0.25%; Lowest rate without discounts is 4.99% Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Business Vehicle Loans - New and Used Auto and Truck - Vehicles 2017 and Older	-	-	6.99%
Details As Low As; Vehicles 2017 and Older Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
New and Used Auto Loans - Cars and Trucks - Vehicles 2017 and Older	-	-	6.99%
Details As Low As; Model year 2017 and older; Lowest stated APR assumes credit score of 750 or above and includes automatic payment discount of 0.25%; Lowest rate without discounts is 4.99% Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%

Meridian Trust Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Powersports Loan - 2025-2026	-	6.24%
Details As Low As; Model Year: 2025-2026; Powersports Vehicle Loan Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Motorcycle, ATV, Jet Ski, Snowmobile and Personal Watercraft Loan	-	6.49%	Up to 72 months
Details As Low As; Lowest rate without discounts is 6.49%; Lowest stated APR includes 0.25% automatic payment discount; Offer valid on Motorcycles, ATVs, Jet Skis, Snowmobiles, and Personal Watercraft; Loan terms up to 72 months on 2025 or newer; No payments required for first 45 days; Age 18 or over Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Recreational Vehicles 2025-2026 Loan	-	6.50%
Details As Low As; Recreational Vehicle Loans - Campers, Boats, and RVs; Model Year: 2025-2026; Lowest stated APR includes automatic payment discount of 0.25% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Recreational Vehicles 2018-2024 Loan	-	7.00%
Details As Low As; Recreational Vehicle Loans - Campers, Boats, and RVs; Model Year: 2018-2024; Lowest stated APR includes automatic payment discount of 0.25% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Powersports Loan - 2018-2024	-	7.24%
Details As Low As; Model Year: 2018-2024; Powersports Vehicle Loan Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Powersports Loan - 2017 and Older	-	7.99%
Details As Low As; Model Year: 2017 and Older; Powersports Vehicle Loan Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Recreational Vehicles 2017 and Older Loan	-	8.25%
Details As Low As; Recreational Vehicle Loans - Campers, Boats, and RVs; Model Year: 2017 and Older; Lowest stated APR includes automatic payment discount of 0.25% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%

Meridian Trust Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Rewards	-	12.00%
Details APR varies with the market based on the Prime Rate; rates effective as of October 1, 2026 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 11.75% → 12.00% ▲ 0.25 pts · high 12.00% / low 11.75% Oct 4, 202612.00%▲ from 11.75% Sep 14, 202611.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%

Meridian Trust Federal Credit Union Personal Loan Rates

Product	APR	Term
Motorcycle, ATV, Jet Ski, Snowmobile and Personal Watercraft Loan	6.49%	Up to 72 months
Details As Low As; Lowest rate without discounts is 6.49%; Lowest stated APR includes 0.25% automatic payment discount; Offer valid on Motorcycles, ATVs, Jet Skis, Snowmobiles, and Personal Watercraft; Loan terms up to 72 months on 2025 or newer; No payments required for first 45 days; Age 18 or over Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Unsecured Personal Loans	8.49%	Up to 60 months
Details As Low As; APR as low as 8.49%; Lowest stated APR assumes a credit score of 750 or above and includes automatic payment discount of 0.25%; Lowest rate without discounts is 8.49%; Age 18 or over; Credit Union membership required Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%

Meridian Trust Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Business Equipment Loan	-	-	7.00%	up to 60 months
Details As Low As; Business Equipment Loans special, limited time; Less than or equal to 80% Maximum Loan to Value; 50%-65% Maximum Loan to Value for Special Use Equipment; Add 1.00% to equipment 2016 and older; Plus $35 for Filing Fees Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Construction Loan	-	-	7.25%	up to 12 months
Details As Low As; Rates effective as of January 1, 2026; 80% of Loan to Value or 80% of cost whichever is less; Fees: 1.5% loan fee plus all costs (1% for the construction loan and 0.50% for the permanent loan) Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 7.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%
Land Loans	7.50%	-	7.50%	120 Months
Details As Low As; Max LTV: 75%; APR*=Annual Percentage Rate; Rates and terms as of March 1, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.45%

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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Financial Health History

Meridian Trust Federal Credit Union’s Texas Ratio rose from 1.45% in Q3 2023 to 4.45% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$731M	4.45%	5.0	A+
March 31, 2026	$728M	3.53%	5.0	A+
December 31, 2025	$713M	3.98%	5.0	A+
September 30, 2025	$709M	3.44%	5.0	A+
June 30, 2025	$713M	4.09%	5.0	A+
March 31, 2025	$701M	2.23%	5.0	A+
December 31, 2024	$677M	2.35%	5.0	A+
September 30, 2024	$685M	4.12%	5.0	A+
June 30, 2024	$681M	2.12%	5.0	A+
March 31, 2024	$690M	1.62%	5.0	A+
December 31, 2023	$680M	1.64%	5.0	A+
September 30, 2023	$666M	1.45%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Meridian Trust 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 Meridian Trust 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 Meridian Trust Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Meridian Trust Federal Credit Union

Website https://www.mymeridiantrust.com

Address 4349 E Lincolnway, Cheyenne, WY 82001

Phone 307-635-7878

Fax 307-633-6426

President Dean Fausset

CEO Bryan Thomas

Full-Time Employees 133

Part-Time Employees 1

Branch Locations 9

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.45%

Return on Assets (ROA)

0.4727%

Return on Equity (ROE)

3.6589%

Non-Performing Loans Ratio (NPL)

0.82%

Total Assets

730,535,909

Total Amount of Shares and Deposits

627,653,870

Total Shares and Deposits < 1 Year

516,090,220

Total Shares and Deposits 1 3 Years

95,259,136

Total Shares and Deposits > 3 Years

16,304,514

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

34,533,275

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

34,533,275

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

593,120,595

Total Interest Expense (Sum of items 6 8)

5,069,223

Share Certificates

7,640

Number of Accounts for Share Drafts

27,687

IRA KEOGH Accounts

2,536

Number of Accounts for Regular Shares

48,488

Money Market Shares

7,115

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)

34,862,295

Total Liabilities

636,695,262

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Meridian Trust Federal Credit Union earned the Verified Healthy 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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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Meridian Trust Federal Credit Union

Does Meridian Trust Federal Credit Union offer CDs?

Yes. Meridian Trust Federal Credit Union current CD rates include its 6 Month CD at 3.55% APY, its 60 Month CD at 3.40% APY and its 48 Month CD at 3.35% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Meridian Trust Federal Credit Union NCUA insured?

Yes. Meridian Trust Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Meridian Trust Federal Credit Union?

The highest Meridian Trust Federal Credit Union CD rate is its 6 Month CD at 3.55% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Meridian Trust Federal Credit Union offer?

Meridian Trust Federal Credit Union CD rates are 3.55% APY for a 6 month CD, 3.20% APY for an 18 month CD, 3.25% APY for a 2 year CD, 3.30% APY for a 3 year CD, 3.35% APY for a 4 year CD and 3.40% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Meridian Trust Federal Credit Union for its full lineup.

What is the highest savings rate at Meridian Trust Federal Credit Union?

The highest Meridian Trust Federal Credit Union savings rate is its Business Savings Accounts at 0.05% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Meridian Trust Federal Credit Union?

The highest Meridian Trust Federal Credit Union money market rate is its Momentum Money Market at 3.90% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at Meridian Trust Federal Credit Union?

The highest Meridian Trust Federal Credit Union checking rate is its Free Checking at 4.00% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest auto loan rate at Meridian Trust Federal Credit Union?

The lowest Meridian Trust Federal Credit Union auto loan rate is its Business Vehicle Loans - New and Used Auto and Truck - Vehicles 2025-2026 at 4.74% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at Meridian Trust Federal Credit Union?

The lowest Meridian Trust Federal Credit Union personal loan rate is its Motorcycle, ATV, Jet Ski, Snowmobile and Personal Watercraft Loan at 6.49% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at Meridian Trust Federal Credit Union?

The lowest Meridian Trust Federal Credit Union credit card APR is its Visa Rewards Credit Card at 12.00% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Meridian Trust Federal Credit Union operate?

Meridian Trust 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 Meridian Trust Federal Credit Union?

Yes, to access services at Meridian Trust 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, Meridian Trust 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, Meridian Trust Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Meridian Trust Federal Credit Union offer online and mobile banking?

Most modern institutions like Meridian Trust 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.mymeridiantrust.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Meridian Trust Federal Credit Union rates compare?

Meridian Trust Federal Credit Union's CD rates are 17% higher than the MonitorBankRates national average, and it has an A+ health rating. Meridian Trust Federal Credit Union's top rates are its 6 Month CD at 3.55% APY, its Business Savings Accounts at 0.05% APY, its Momentum Money Market at 6.00% APY, its Free Checking at 4.00% APY, its Motorcycle, ATV, Jet Ski, Snowmobile and Personal Watercraft Loan at 6.49% APR and its Visa Rewards Credit Card at 12.00% APR, verified by MonitorBankRates on October 28, 2026.

Current Meridian Trust Federal Credit Union Rates

18-Month CD3.20%
24-Month CD3.25%
60-Month CD3.40%
Savings0.05%
MMA6.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Meridian Trust Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Meridian Trust Federal Credit Union Texas Ratio

Meridian Trust Federal Credit Union Health Trend

Meridian Trust Federal Credit Union CD Rates

Meridian Trust Federal Credit Union Savings Rates

Meridian Trust Federal Credit Union Business Savings Rates

Meridian Trust Federal Credit Union Money Market Rates

Meridian Trust Federal Credit Union Business Money Market Rates

Meridian Trust Federal Credit Union Checking Rates

Meridian Trust Federal Credit Union Home Equity & HELOC

Meridian Trust Federal Credit Union Auto Loan Rates

Meridian Trust Federal Credit Union RV, Boat and Powersport Loan Rates

Meridian Trust Federal Credit Union Credit Card Rates

Meridian Trust Federal Credit Union Personal Loan Rates

Meridian Trust Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Meridian Trust Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Meridian Trust Federal Credit Union

Does Meridian Trust Federal Credit Union offer CDs?

Are CDs from Meridian Trust Federal Credit Union NCUA insured?

What is the highest CD rate at Meridian Trust Federal Credit Union?

What CD terms does Meridian Trust Federal Credit Union offer?

What is the highest savings rate at Meridian Trust Federal Credit Union?

What is the highest money market rate at Meridian Trust Federal Credit Union?

What is the highest checking rate at Meridian Trust Federal Credit Union?

What is the lowest auto loan rate at Meridian Trust Federal Credit Union?

What is the lowest personal loan rate at Meridian Trust Federal Credit Union?

What is the lowest credit card APR at Meridian Trust Federal Credit Union?

How many branches does Meridian Trust Federal Credit Union operate?

Is a member application needed to join Meridian Trust Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Meridian Trust Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Meridian Trust Federal Credit Union rates compare?

Current Meridian Trust Federal Credit Union Rates

Compare to Other Credit Unions