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

Current rates for Meridian Trust Federal Credit Union include: 12-Month CD: 3.31%, 18-Month CD: 3.21%, 24-Month CD: 3.10%, 36-Month CD: 3.10%, 48-Month CD: 3.15%, 60-Month CD: 3.25%, Savings: 0.05%, MMA: 0.05%, Personal Loan: 8.99%

Meridian Trust Federal Credit Union Rates and Review February 2026

Content reviewed by

Brian McKay

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Meridian Trust Federal Credit Union Deposit Rates

Meridian Trust Federal Credit Union's Business CD 6 month rates are at 3.45%, CDs and IRA CDs 6 month rates are at 3.45%, Business CD 12 month rates are at 3.31%, CDs and IRA CDs 12 month rates are at 3.31%, Business CD 60 month 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 0.05%. Meridian Trust Federal Credit Union's Personal Loan Rates are at 8.99%.

Meridian Trust Federal Credit Union

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 by leaving a review below, or read customer reviews before you decide to use .

Meridian Trust Federal Credit Union Texas Ratio

Meridian Trust Federal Credit Union's Texas Ratio is at 3.55%, which is considered excellent. The Texas Ratio for Meridian Trust Federal Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Meridian Trust Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.

MonitorBankRates Rating

5.0

Excellent

Out of 5.0 Stars

Meridian Trust Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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.

Overall, Meridian Trust Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Product

APY/APR

vs.Avg

12-Month CD

3.31%

2.38%

18-Month CD

3.21%

2.14%

24-Month CD

3.10%

2.17%

36-Month CD

3.10%

2.11%

48-Month CD

3.15%

2.10%

60-Month CD

3.25%

2.23%

Savings

0.05%

0.60%

MMA

0.05%

0.75%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

8.99%

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Meridian Trust Federal Credit Union
Meridian East

4349 E Lincolnway
Cheyenne, WY 82001

https://www.mymeridiantrust.com

MonitorBankRates

Official Financial Rating

5.0

★★★★★

EXCELLENT

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Meridian Trust Federal Credit Union CD Rates

Product	Rate	APY	Term
Business Certificate 6 month	3.40%	3.45%	6 months
Min Deposit$500 Min Balance$500 Last Updated 02/10/2026
Certificates and IRA Share Certificates 6 month	3.40%	3.45%	6 months
Min Deposit$500 Min Balance$500 Last Updated 02/10/2026
Business Certificate 12 month	3.26%	3.31%	12 months
Min Deposit$500 Min Balance$500 Last Updated 02/10/2026
Certificates and IRA Share Certificates 12 month	3.26%	3.31%	12 months
Min Deposit$500 Min Balance$500 Last Updated 02/10/2026
Business Certificate 60 month	3.20%	3.25%	60 months
Min Deposit$500 Min Balance$500 Last Updated 02/10/2026
Certificates and IRA Share Certificates 60 month	3.20%	3.25%	60 months
Min Deposit$500 Min Balance$500 Last Updated 02/10/2026
Business Certificate 18 month	3.16%	3.21%	18 months
Min Deposit$500 Min Balance$500 Last Updated 02/10/2026
Certificates and IRA Share Certificates 18 month	3.16%	3.21%	18 months
Min Deposit$500 Min Balance$500 Last Updated 02/10/2026
Business Certificate 48 month	3.11%	3.15%	48 months
Min Deposit$500 Min Balance$500 Last Updated 02/10/2026
Certificates and IRA Share Certificates 48 month	3.11%	3.15%	48 months
Min Deposit$500 Min Balance$500 Last Updated 02/10/2026
Business Certificate 24 month	3.06%	3.10%	24 months
Min Deposit$500 Min Balance$500 Last Updated 02/10/2026
Business Certificate 30 month	3.06%	3.10%	30 months
Min Deposit$500 Min Balance$500 Last Updated 02/10/2026
Business Certificate 36 month	3.06%	3.10%	36 months
Min Deposit$500 Min Balance$500 Last Updated 02/10/2026
Certificates and IRA Share Certificates 24 month	3.06%	3.10%	24 months
Min Deposit$500 Min Balance$500 Last Updated 02/10/2026
Certificates and IRA Share Certificates 30 month	3.06%	3.10%	30 months
Min Deposit$500 Min Balance$500 Last Updated 02/10/2026
Certificates and IRA Share Certificates 36 month	3.06%	3.10%	36 months
Min Deposit$500 Min Balance$500 Last Updated 02/10/2026

Meridian Trust Federal Credit Union Savings Rates

Product	Rate	APY
Business Savings Account	0.05%	0.05%
Min Deposit$10 Min Balance$100 Last Updated 02/10/2026
Claim Your Youth Savings Account	0.05%	0.05%
Min Deposit$10 Min Balance$100 Last Updated 02/10/2026
Health Savings Accounts (HSAs)	0.05%	0.05%
Min Deposit$0 Min Balance$100 Last Updated 02/10/2026
Kirby Kangaroo Club Kids Savings Program	0.05%	0.05%
Min Deposit$10 Min Balance$100 Last Updated 02/10/2026
Savings	0.05%	0.05%
Min Deposit$10 Min Balance$100 Last Updated 02/10/2026
Steady Savers Club	0.05%	0.05%
Min Deposit$25 Min Balance$100 Detailsover $1,500 Last Updated 02/10/2026

Meridian Trust Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market and IRA Money Market Accounts Reverse Tier Money Market	0.50%	2.20%
Min Deposit$5,000 DetailsBalance: $5,000.01 - $10,000.00 Last Updated 02/10/2026
Money Market and IRA Money Market Accounts	1.98%	2.00%
Min Deposit$150,000 Min Balance$150,000 DetailsBalance: $150,000+ Last Updated 02/10/2026
Money Market and IRA Money Market Accounts	0.99%	1.00%
Min Deposit$100,000 Min Balance$100,000 DetailsBalance: $100,000 - $149,999 Last Updated 02/10/2026
Money Market and IRA Money Market Accounts	0.40%	0.40%
Min Deposit$50,000 Min Balance$50,000 DetailsBalance: $50,000 - $99,999 Last Updated 02/10/2026
Money Market and IRA Money Market Accounts	0.35%	0.35%
Min Deposit$25,000 Min Balance$25,000 DetailsBalance: $25,000 - $49,999 Last Updated 02/10/2026
Money Market and IRA Money Market Accounts	0.30%	0.30%
Min Deposit$10,000 Min Balance$10,000 DetailsBalance: $10,000 - $24,999 Last Updated 02/10/2026
Money Market and IRA Money Market Accounts	0.25%	0.25%
Min Deposit$2,500 Min Balance$2,500 DetailsBalance: $2,500 - $9,999 Last Updated 02/10/2026
Money Market and IRA Money Market Accounts Reverse Tier Money Market	0.10%	0.10%
Min Deposit$10,000 DetailsBalance: $10,000.01+ Last Updated 02/10/2026
Money Market and IRA Money Market Accounts	0.05%	0.05%
DetailsBalance: $0 - $2,499 Last Updated 02/10/2026

Meridian Trust Federal Credit Union Checking Rates

Product	Rate	APY	View More
Free Checking	-	0.00%
Min Deposit$1,000 DetailsMeet MaxRewards criteria: No Last Updated 02/10/2026

Meridian Trust Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (HELOC) Variable Rate	-	-	5.75%
DetailsDraw Period: 120 months, Repayment Period: 240 months, Adjust/Reprice: Monthly based on prime rate, Max CLTV: Lesser of 95% LTV or $399,999 Last Updated 02/10/2026
Home Equity Line of Credit (HELOC) Fixed Rate	-	-	6.00%
DetailsDraw Period: 24 months, Repayment Period: 60 months, Adjust/Reprice: Fixed rate, Max CLTV: Lesser of 95% LTV or $200,000 Last Updated 02/10/2026
Home Equity Loan	7.75%	-	7.78%	240 Months
DetailsMax CLTV 95% Last Updated 02/10/2026

Meridian Trust Federal Credit Union Credit Card Rates

Product	Rate	Points	APR	Term	View More
Visa Rewards	-	-	11.75%
No additional details. Last Updated 02/10/2026

Meridian Trust Federal Credit Union Personal Loan Rates

Product	Rate	Points	APR	Term	View More
Unsecured Personal Loan	-	-	8.99%	60 Months
No additional details. Last Updated 02/10/2026

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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

Full Time Employees: 124
Part Time Employees: 2
President: Dean Fausset
CEO: Bryan Thomas
Branch Locations: 9
ATM Locations: 9

Corporate Office Address:

4349 E Lincolnway
Cheyenne, WY 82001
Phone Number: 307-635-7878
Fax Number: 307-633-6426

Financials

Total Assets:

709,069,218

Total Amount of Shares and Deposits:

611,004,945

Total Shares and Deposits < 1 Year:

482,580,097

Total Shares and Deposits 1 3 Years:

111,748,968

Total Shares and Deposits > 3 Years:

16,675,878

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

25,924,943

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

25,924,943

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

585,080,002

Total Interest Expense (Sum of items 6 8):

7,975,842

Share Certificates:

6,113

Number of Accounts for Share Drafts:

26,677

IRA KEOGH Accounts:

2,691

Number of Accounts for Regular Shares:

47,398

Money Market Shares:

5,180

Total Cash on Deposit (Amounts Deposited in Financial Institutions):

34,255,673

Total Liabilities:

617,652,223

Source: NCUA Last Updated 09/30/2025

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Frequently Asked Questions About Meridian Trust Federal Credit Union

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.

Is there a first-time homebuyer program?

Currently, Meridian Trust Federal Credit Union provides a range of mortgage and home equity products.

Is Meridian Trust Federal Credit Union a safe place to deposit money?

Yes, Meridian Trust Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.