What are the current interest rates at Meritrust Credit Union?

Current rates for Meritrust Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 3.50%, 24-Month CD: 3.50%, 60-Month CD: 3.50%, Savings: 3.50%, MMA: 4.00%

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Meritrust Credit Union

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Meritrust Credit Union Rates & Review October 2026

Q: How many branches does Meritrust Credit Union operate?

Meritrust 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.

Q: Is a member application needed to join Meritrust Credit Union?

Yes, to access services at Meritrust 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.

Q: Is there a first-time homebuyer program?

Currently, Meritrust 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Meritrust 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: October 9, 2026

Meritrust Credit Union's top rates as of October 9, 2026 are 4.00% APY on its 10 Month CD, 3.50% APY on savings, 4.00% APY on money market accounts, 1.00% APY on checking, 6.75% on its 15 Year Fixed mortgage, and personal loans from 12.15% APR, according to rates verified by MonitorBankRates. Other Meritrust Credit Union CD rates include 12 Month Share and IRA CDs at 3.50%, 18 Month Share and IRA CDs at 3.50%, and 24 Month Share and IRA CDs at 3.50%. Other Meritrust Credit Union mortgage rates include 10 Year Fixed at 6.75%, 20 Year Fixed at 7.25%, and 30 Year Fixed at 7.50%. MonitorBankRates evaluates the financial stability of Meritrust Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.29%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 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

4.29%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Meritrust Credit Union
360 Interlocken

360 Interlocken Blvd
Broomfield, CO 80021-3440

https://www.pmcu.org

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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.

Meritrust Credit Union CD Rates

Product	Rate	APY	Term
10 Month Certificate	3.93%	4.00%	10 Months
Min Deposit $500 Last Updated 10/09/2026 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: 4.29%
12 Month Share and IRA Certificates	3.45%	3.50%	12 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
18 Month Share and IRA Certificates	3.45%	3.50%	18 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
24 Month Share and IRA Certificates	3.45%	3.50%	24 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
36 Month Share and IRA Certificates	3.45%	3.50%	36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
48 Month Share and IRA Certificates	3.45%	3.50%	48 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
6 Month Share and IRA Certificates	3.45%	3.50%	6 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
60 Month Share and IRA Certificates	3.45%	3.50%	60 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Meritrust Credit Union Savings Rates

Product	Rate	APY
Premium High Yield Savings Account	3.45%	3.50%
Min Deposit $5,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
High Yield Savings Account	3.00%	3.04%
Min Balance $15,000 Details Balance: $15,000 and over Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.78% → 3.04% ▲ 0.26 pts · high 3.04% / low 2.78% Oct 9, 20263.04%▲ from 2.78% Sep 14, 20262.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
High Yield Savings Account	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $14,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Holiday Club	0.05%	0.05%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Meritrust Credit Union Money Market Rates

Product	Rate	APY
Reverse Tiered Money Market	-	4.00%
Min Balance $0 Details Balance: $0 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Reverse Tiered Money Market	-	1.00%
Min Balance $0 Details Balance: $0 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Reverse Tiered Money Market	-	0.75%
Min Balance $0 Details Balance: $0 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Reverse Tiered Money Market	-	0.50%
Min Balance $0 Details Balance: $0 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Reverse Tiered Money Market 101	0.25%	0.40%
Min Balance $10,000 Details Published APY range: 0.40% to 0.99%. Balance: $10,000.01 - $50,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Reverse Tiered Money Market	-	0.25%
Min Balance $0 Details Balance: $0 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Meritrust Credit Union Business Money Market Rates

Product	Rate	APY
Money Market Including Business and IRA	3.93%	4.00%
Min Balance $0 Details Balance: $0.00 - $2,000 Last Updated 10/09/2026 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: 4.29%
Jumbo Money Market Including Business and IRA	2.23%	2.25%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Jumbo Money Market Including Business and IRA	1.98%	2.00%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Money Market Including Business and IRA	0.25%	0.40%
Min Balance $10,000 Details Published APY range: 0.40% to 0.99%. Balance: $10,000.01 - $50,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Meritrust Credit Union Checking Rates

Product	Rate	APY	View More
Premium Perks Checking	1.00%	1.00%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Meritrust Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed	6.75%	0	6.88%	15 Year
Details The information provided is for the purchase of an owner-occupied single-family residence with a loan amount of $400,000 and valued at $533,334. This is a Loan-to-Value of 75%, meaning the loan amount divided by the sales price (or appraised value, whichever is less). Loan level price adjustments may apply. The assumed credit score is 740. The payments would be: 360 payments of $2,334.29. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Subject to approval and creditworthiness of the applicant(s). Rates are subject to change without notice. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 5.99% → 6.88% ▲ 0.89 pts · high 6.88% / low 5.99% Oct 9, 20266.88%▲ from 6.62% Oct 2, 20266.62%▲ from 6.24% Sep 18, 20266.24%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
10 Year Fixed	6.75%	0	6.93%	10 Year
Details The information provided is for the purchase of an owner-occupied single-family residence with a loan amount of $400,000 and valued at $533,334. This is a Loan-to-Value of 75%, meaning the loan amount divided by the sales price (or appraised value, whichever is less). Loan level price adjustments may apply. The assumed credit score is 740. The payments would be: 360 payments of $2,334.29. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Subject to approval and creditworthiness of the applicant(s). Rates are subject to change without notice. Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 6.29% → 6.93% ▲ 0.64 pts · high 6.93% / low 6.29% Oct 9, 20266.93%▲ from 6.67% Oct 2, 20266.67%▲ from 6.29% Sep 18, 20266.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
20 Year Fixed	7.25%	0	7.36%	20 Year
Details The information provided is for the purchase of an owner-occupied single-family residence with a loan amount of $400,000 and valued at $533,334. This is a Loan-to-Value of 75%, meaning the loan amount divided by the sales price (or appraised value, whichever is less). Loan level price adjustments may apply. The assumed credit score is 740. The payments would be: 360 payments of $2,334.29. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Subject to approval and creditworthiness of the applicant(s). Rates are subject to change without notice. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.47% → 7.36% ▲ 0.89 pts · high 7.36% / low 6.47% Oct 9, 20267.36%▲ from 7.10% Oct 2, 20267.10%▲ from 6.72% Sep 18, 20266.72%▲ from 6.47% Sep 14, 20266.47%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
30 Year Fixed	7.50%	0	7.58%	30 Year
Details The information provided is for the purchase of an owner-occupied single-family residence with a loan amount of $400,000 and valued at $533,334. This is a Loan-to-Value of 75%, meaning the loan amount divided by the sales price (or appraised value, whichever is less). Loan level price adjustments may apply. The assumed credit score is 740. The payments would be: 360 payments of $2,334.29. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Subject to approval and creditworthiness of the applicant(s). Rates are subject to change without notice. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.70% → 7.58% ▲ 0.88 pts · high 7.58% / low 6.70% Oct 9, 20267.58%▲ from 7.33% Oct 2, 20267.33%▲ from 6.95% Sep 18, 20266.95%▲ from 6.70% Sep 14, 20266.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
7/6 Year ARM	6.875%	1.000	9.25%	7/6 Year
Details Adjustable-Rate Mortgage (ARM) interest rate and payments are subject to increase after the initial fixed-rate period (5 years for a 5/6 mo. ARM) and assume a 30-year repayment term. The information provided is for the purchase of an owner-occupied single-family residence with a loan amount of $400,000 and valued at $533,334. This is a Loan-to-Value of 75%, meaning the loan amount divided by the sales price (or appraised value, whichever is less). Loan level price adjustments may apply. The assumed credit score is 740. The payments would be: 360 payments of $2,334.29. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Subject to approval and creditworthiness of the applicant(s). Rates are subject to change without notice. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.44% → 9.25% ▲ 0.81 pts · high 9.25% / low 8.44% Oct 9, 20269.25%▲ from 8.44% Sep 14, 20268.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
5/6 Year ARM	7.125%	0.5	9.82%	5/6 Year
Details Adjustable-Rate Mortgage (ARM) interest rate and payments are subject to increase after the initial fixed-rate period (5 years for a 5/6 mo. ARM) and assume a 30-year repayment term. The information provided is for the purchase of an owner-occupied single-family residence with a loan amount of $400,000 and valued at $533,334. This is a Loan-to-Value of 75%, meaning the loan amount divided by the sales price (or appraised value, whichever is less). Loan level price adjustments may apply. The assumed credit score is 740. The payments would be: 360 payments of $2,334.29. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Subject to approval and creditworthiness of the applicant(s). Rates are subject to change without notice. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.01% → 9.82% ▲ 0.81 pts · high 9.82% / low 9.01% Oct 9, 20269.82%▲ from 9.01% Sep 14, 20269.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Meritrust Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Primary Residence Home Equity Line of Credit- Max 80% LTV	-	-	7.60%
Details Loan Amount: $10,000 - $350,000 Last Updated 10/09/2026 Rate History No change since Oct 2, 2026 · 7.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Purchase Money Home Equity Line of Credit- Max 80% LTV	-	-	8.20%
Details Loan Amount: $10,000 - $350,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.10% → 8.20% ▼ 0.90 pts · high 9.10% / low 8.20% Oct 2, 20268.20%▼ from 9.10% Sep 14, 20269.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Bridge Home Equity Line of Credit Loan - Max 80% LTV	-	-	9.35%
Details Loan Amount: $10,000 - $350,001 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.60% → 9.35% ▲ 0.75 pts · high 9.35% / low 8.60% Oct 2, 20269.35%▲ from 8.60% Sep 14, 20268.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Non-Owner Occupied (Investment) Home Equity Line of Credit - Max 80% LTV	-	-	9.35%
Details Loan Amount: $10,000 - $350,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.60% → 9.35% ▲ 0.75 pts · high 9.35% / low 8.60% Oct 2, 20269.35%▲ from 8.60% Sep 14, 20268.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Meritrust Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Autos & Motorcycles	5.25%	-	5.37%	48 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.12% → 5.37% ▲ 0.25 pts · high 5.37% / low 5.12% Oct 9, 20265.37%▲ from 5.12% Sep 18, 20265.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Autos & Motorcycles	5.50%	-	5.60%	60 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.35% → 5.60% ▲ 0.25 pts · high 5.60% / low 5.35% Oct 9, 20265.60%▲ from 5.35% Sep 18, 20265.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Autos & Motorcycles	5.75%	-	5.84%	72 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.58% → 5.84% ▲ 0.26 pts · high 5.84% / low 5.58% Oct 9, 20265.84%▲ from 5.58% Sep 18, 20265.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Autos & Motorcycles	6.25%	-	6.33%	78 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.08% → 6.33% ▲ 0.25 pts · high 6.33% / low 6.08% Oct 9, 20266.33%▲ from 6.08% Sep 18, 20266.08%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Autos & Motorcycles	6.50%	-	6.58%	84 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.32% → 6.58% ▲ 0.26 pts · high 6.58% / low 6.32% Oct 9, 20266.58%▲ from 6.32% Sep 18, 20266.32%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Meritrust Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats, Campers, Jet Skis, Motor Homes & Travel Trailers - 60 Months Loan	7.25%	7.32%	60 Months
Details The monthly payment schedule plan for a financed amount of $60,000 includes: 59 payments of $1,200.62, 1 payment of $1,200.56 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.08% → 7.32% ▲ 0.24 pts · high 7.32% / low 7.08% Oct 9, 20267.32%▲ from 7.08% Sep 14, 20267.08%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Boats, Campers, Jet Skis, Motor Homes & Travel Trailers - 84 Months Loan	7.50%	7.56%	84 Months
Details The monthly payment schedule plan for a financed amount of $60,000 includes: 83 payments of $924.64, 1 payment of $924.58 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.06% → 7.56% ▲ 0.50 pts · high 7.56% / low 7.06% Oct 9, 20267.56%▲ from 7.06% Sep 14, 20267.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Boats, Campers, Jet Skis, Motor Homes & Travel Trailers - 120 Months Loan	7.75%	7.79%	120 Months
Details The monthly payment schedule plan for a financed amount of $60,000 includes: 119 payments of $723.58, 1 payment of $723.02 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.29% → 7.79% ▲ 0.50 pts · high 7.79% / low 7.29% Oct 9, 20267.79%▲ from 7.29% Sep 14, 20267.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Boats, Campers, Jet Skis, Motor Homes & Travel Trailers - 180 Months Loan	8.75%	8.78%	180 Months
Details The monthly payment schedule plan for a financed amount of $60,000 includes: 179 payments of $602.90, 1 payment of $601.13 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.54% → 8.78% ▲ 0.24 pts · high 8.78% / low 8.54% Oct 9, 20268.78%▲ from 8.54% Sep 14, 20268.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Meritrust Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	12.15%	36 Months
Details The monthly payment schedule plan for a financed amount of $10,000 includes: 35 payments of $334.45, 1 payment of $334.36 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 11.90% → 12.15% ▲ 0.25 pts · high 12.15% / low 11.90% Oct 9, 202612.15%▲ from 11.90% Sep 18, 202611.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Signature Loan	13.15%	48 Months
Details The monthly payment schedule plan for a financed amount of $10,000 includes: 47 payments of $270.42, 1 payment of $270.23 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 12.90% → 13.15% ▲ 0.25 pts · high 13.15% / low 12.90% Oct 9, 202613.15%▲ from 12.90% Sep 18, 202612.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Signature Loan	14.15%	60 Months
Details The monthly payment schedule plan for a financed amount of $10,000 includes: 59 payments of $234.77, 1 payment of $234.72 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 13.90% → 14.15% ▲ 0.25 pts · high 14.15% / low 13.90% Oct 9, 202614.15%▲ from 13.90% Sep 18, 202613.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Signature Loan	16.15%	72 Months
Details The monthly payment schedule plan for a financed amount of $10,000 includes: 71 payments of $219.15, 1 payment of $218.53 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 15.90% → 16.15% ▲ 0.25 pts · high 16.15% / low 15.90% Oct 9, 202616.15%▲ from 15.90% Sep 18, 202615.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Meritrust Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
30 due in 15 Year Balloon Loan	7.00%	0	7.09%	30 due in 15 Year
Details The information provided is for the purchase of an owner-occupied single-family residence with a loan amount of $400,000 and valued at $533,334. This is a Loan-to-Value of 75%, meaning the loan amount divided by the sales price (or appraised value, whichever is less). Loan level price adjustments may apply. The assumed credit score is 740. The payments would be: 360 payments of $2,334.29. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Subject to approval and creditworthiness of the applicant(s). Rates are subject to change without notice. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.21% → 7.09% ▲ 0.88 pts · high 7.09% / low 6.21% Oct 9, 20267.09%▲ from 6.21% Sep 14, 20266.21%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Credit Builder & Student Credit Builder Loan	-	-	12.65%
Details Published APR range: 12.65%-21.00%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.65% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Platinum Prime Loan	-	-	12.65%
Details Published APR range: 12.65%-21.00%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.65% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Platinum Rewards Loan	-	-	14.65%
Details Published APR range: 14.65%-21.00%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 14.65% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
IRA Share	0.05%	-	0.05%
Details Take advantage of tax deferred interest with a Traditional or Roth IRA. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Regular Share	0.05%	-	0.05%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Y.E.S Account	0.05%	-	0.05%
Details Age: 0-17 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

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

Meritrust Credit Union’s Texas Ratio rose from 3.04% in Q3 2023 to 4.29% 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	$4.1B	4.29%	5.0	A+
March 31, 2026	$4.2B	3.43%	5.0	A+
December 31, 2025	$4.1B	3.63%	5.0	A+
September 30, 2025	$4.0B	4.43%	5.0	A+
June 30, 2025	$1.8B	3.49%	5.0	A+
March 31, 2025	$1.8B	2.62%	5.0	A+
December 31, 2024	$1.8B	2.73%	5.0	A+
September 30, 2024	$1.7B	2.89%	5.0	A+
June 30, 2024	$1.7B	2.41%	5.0	A+
March 31, 2024	$1.8B	2.97%	5.0	A+
December 31, 2023	$1.7B	2.90%	5.0	A+
September 30, 2023	$1.7B	3.04%	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 Meritrust 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 Meritrust 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 Meritrust Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Meritrust Credit Union

Website https://www.pmcu.org

Address 360 Interlocken Blvd, Broomfield, CO 80021-3440

Phone 303-657-7000

Fax

President Steve Dunn

CEO Carlos Pacheco & James Nastars

Full-Time Employees 663

Part-Time Employees 6

Branch Locations 37

ATM Locations 34

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

4.29%

Return on Assets (ROA)

0.0867%

Return on Equity (ROE)

1.0668%

Non-Performing Loans Ratio (NPL)

0.48%

Total Assets

4,142,018,140

Total Amount of Shares and Deposits

3,461,685,775

Total Shares and Deposits < 1 Year

3,410,634,867

Total Shares and Deposits 1 3 Years

38,847,796

Total Shares and Deposits > 3 Years

12,203,112

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

360,448,158

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

360,448,158

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

3,101,237,617

Total Interest Expense (Sum of items 6 8)

42,963,141

Share Certificates

21,562

Number of Accounts for Share Drafts

129,445

IRA KEOGH Accounts

5,403

Number of Accounts for Regular Shares

259,558

All other shares

1,030

Money Market Shares

42,000

Net Income (unless the amount is already included in Undivided Earnings)

3,590,673

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)

84,204,501

Total Liabilities

3,782,705,016

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Meritrust Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Meritrust Credit Union

How many branches does Meritrust Credit Union operate?

Meritrust 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 Meritrust Credit Union?

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

Does Meritrust Credit Union offer online and mobile banking?

Most modern institutions like Meritrust 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.pmcu.org.

Current Meritrust Credit Union Rates

12-Month CD3.50%
18-Month CD3.50%
24-Month CD3.50%
60-Month CD3.50%
Savings3.50%
MMA4.00%

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

Compare to Other Credit Unions

Meritrust Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Meritrust Credit Union Texas Ratio

Meritrust Credit Union Health Trend

Meritrust Credit Union CD Rates

Meritrust Credit Union Savings Rates

Meritrust Credit Union Money Market Rates

Meritrust Credit Union Business Money Market Rates

Meritrust Credit Union Checking Rates

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Meritrust Credit Union Home Equity & HELOC

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Meritrust Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Meritrust Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Meritrust Credit Union

How many branches does Meritrust Credit Union operate?

Is a member application needed to join Meritrust Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Meritrust Credit Union offer online and mobile banking?

Current Meritrust Credit Union Rates

Compare to Other Credit Unions