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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Meritrust Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Meritrust Credit Union's 10 Month CD min. rates are at 4.00%, 12 Month Share & IRA CDs rates are at 3.50%, 18 Month Share & IRA CDs rates are at 3.50%, 24 Month Share & IRA CDs rates are at 3.50%, 36 Month Share & IRA CDs rates are at 3.50%. Meritrust Credit Union's savings rates are at 3.50%. Meritrust Credit Union's money market rates are at 4.00%. Meritrust Credit Union's checking rates are as high as 1.00%. Meritrust Credit Union's 15 Year Fixed rates are at 6.50%, 10 Year Fixed rates are at 6.50%, 20 Year Fixed rates are at 6.75%, 30 Year Fixed rates are at 7.00%, 7/6 Year ARM rates are at 6.88%. Meritrust Credit Union's Auto Loan Rates are as low as 5.37%. Meritrust Credit Union's Credit Card Rates are at 12.65%. Meritrust Credit Union's CD rates are 24% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/29/2026. 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. Meritrust Credit Union
360 Interlocken 360 Interlocken Blvd
https://www.pmcu.org Broomfield, CO 80021-3440  Customer Reviews
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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
Meritrust Credit Union Savings Rates
Meritrust Credit Union Money Market Rates
Meritrust Credit Union Business Money Market Rates
Meritrust Credit Union Checking Rates
Meritrust Credit Union Mortgage Rates
Meritrust Credit Union Home Equity & HELOC
Meritrust Credit Union Auto Loan Rates
Meritrust Credit Union Credit Card Rates
Meritrust Credit Union Other Rates
Financial Health HistoryMeritrust 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
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MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates 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
Customer Reviews
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Frequently Asked Questions About Meritrust Credit UnionDoes Meritrust Credit Union offer CDs?Yes. Meritrust Credit Union current CD rates include its 10 Month CD min. at 4.00% APY, its 12 Month Share & IRA CDs at 3.50% APY and its 18 Month Share & IRA CDs at 3.50% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Meritrust Credit Union NCUA insured?Yes. Meritrust 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 Meritrust Credit Union?The highest Meritrust Credit Union CD rate is its 10 Month CD min. at 4.00% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Meritrust Credit Union offer?Meritrust Credit Union CD rates are 4.00% APY for a 10 month CD, 3.50% APY for a 12 month CD, 3.50% APY for an 18 month CD, 3.50% APY for a 2 year CD, 3.50% APY for a 3 year CD and 3.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Meritrust Credit Union for its full lineup. What is the highest savings rate at Meritrust Credit Union?The highest Meritrust Credit Union savings rate is its Premium High Yield Savings Account at 3.50% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Meritrust Credit Union?The highest Meritrust Credit Union money market rate is its Money Market Including Business and IRA at 4.00% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Meritrust Credit Union?The highest Meritrust Credit Union checking rate is its Premium Perks Checking at 1.00% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest 30 year fixed mortgage rate at Meritrust Credit Union?The lowest Meritrust Credit Union 30 year fixed mortgage rate is its 30 Year Fixed at 7.00%, verified by MonitorBankRates as of October 29, 2026. Meritrust Credit Union mortgage rates are 7.00% for a 30 year mortgage, 6.75% for a 20 year mortgage, 6.50% for a 15 year mortgage, 6.50% for a 10 year mortgage and 6.875% for a 6 year mortgage. What is the lowest auto loan rate at Meritrust Credit Union?The lowest Meritrust Credit Union auto loan rate is its Auto Loans at 5.25%, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Meritrust Credit Union?The lowest Meritrust Credit Union credit card APR is its VISA Credit Builder & Student Credit Builder Credit Card at 12.65% APR, verified by MonitorBankRates as of October 29, 2026. 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. 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 Meritrust Credit Union rates compare?Meritrust Credit Union's CD rates are 24% higher than the MonitorBankRates national average, and it has an A+ health rating. Meritrust Credit Union's top rates are its 10 Month CD min. at 4.00% APY, its Premium High Yield Savings Account at 3.50% APY, its Money Market Including Business and IRA at 4.00% APY, its Premium Perks Checking at 1.00% APY, its 15 Year Fixed at 6.50%, its Auto Loans at 5.37% APR and its VISA Credit Builder & Student Credit Builder Credit Card at 12.65% APR, verified by MonitorBankRates on October 29, 2026. Current Meritrust Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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