What are the current interest rates at Meriwest Credit Union?

Current rates for Meriwest Credit Union include: 12-Month CD: 2.95%, 24-Month CD: 2.90%, 60-Month CD: 3.15%, Savings: 0.10%, MMA: 0.10%

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Meriwest Credit Union

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Meriwest Credit Union Rates & Review September 2026

Q: How many branches does Meriwest Credit Union operate?

Meriwest 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 Meriwest Credit Union?

Yes, to access services at Meriwest 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, Meriwest 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, Meriwest 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: September 22, 2026

Meriwest Credit Union's 60-Month CD rates are at 3.15%, 60-Month CD rates are at 3.15%, 6-Month CD rates are at 3.05%, 6-Month CD rates are at 3.05%, 8-Month Liquid CD rates are at 3.05%. Meriwest Credit Union's savings rates are at 0.10%. Meriwest Credit Union's money market rates are at 0.10%. Meriwest Credit Union's Personal Loan Rates are as low as 6.50%. MonitorBankRates evaluates the financial stability of Meriwest Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.77%. Rates last updated and verified on 09/22/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.77%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Meriwest Credit Union
Corporate Office- San Jose

5615 Chesbro Ave
San Jose, CA 95123-3046

https://www.meriwest.com

Meriwest Credit Union CD Rates

Product	Rate	APY	Term
60-Month Certificate	3.10%	3.15%	60-Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
60-Month Certificate	3.10%	3.15%	60-Month
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
6-Month Certificate	3.01%	3.05%	6-Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
6-Month Certificate	3.01%	3.05%	6-Month
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
8-Month Liquid Certificate	3.01%	3.05%	8-Month
Min Balance $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
8-Month Liquid Certificate	3.05%	3.05%	8 months
Min Balance $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business 8-Month Liquid Certificate	3.01%	3.05%	8-Month
Min Balance $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
12-Month Certificate	2.91%	2.95%	12-Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
12-Month Certificate	2.91%	2.95%	12-Month
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24-Month Certificate	2.86%	2.90%	24-Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24-Month Certificate	2.86%	2.90%	24-Month
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
36-Month Certificate	2.86%	2.90%	36-Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
36-Month Certificate	2.86%	2.90%	36-Month
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

Meriwest Credit Union Savings Rates

Product	Rate	APY
Premier Savings for New Members	4.16%	4.25%
Min Balance $100 Details Balance: $100 to $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Premier Savings for New Members	2.23%	4.25%
Min Balance $10,001 Details Published APY range: 4.25%-2.65%. Balance: $10,001 - $50,000.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Anniversary Savings	0.10%	0.10%
Min Balance $1 Details **** Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Savings	0.10%	0.10%
Min Balance $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
You Name Savings	0.10%	0.10%
Min Balance $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

Meriwest Credit Union Money Market Rates

Product	Rate	APY
Business Money Market Plus	2.96%	3.00%
Min Balance $250,000 Details Balance: $250,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Money Market Max	2.47%	2.50%
Min Balance $250,001 Details Balance: $250,001+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Money Market Max	1.74%	1.75%
Min Balance $50,001 Details Balance: $50,001 - $250,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Plus	1.49%	1.50%
Min Balance $100,001 Details Balance: $100,001-$250,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Plus	1.00%	1.00%
Min Balance $50,001 Details Balance: $50,001-$100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Money Market Max	0.75%	0.75%
Min Balance $10,000 Details Balance: $10,000 - $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Plus	0.50%	0.50%
Min Balance $10,001 Details Balance: $10,001-$50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Accounts	0.50%	0.50%
Min Deposit $100 Min Balance $10,000 Details Must have Checking with Daily Average balance of at least $3000 per month, otherwise, rate earned is 0.50% APY (0.499% Dividend Rate). Account must be opened with new money balances only, balances transferred from an existing Meriwest Credit Union account do not qualify as new money. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Plus	0.25%	0.25%
Min Balance $2,501 Details Balance: $2,501-$10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Plus	0.10%	0.10%
Min Balance $100 Details Balance: $100-$2,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

Meriwest Credit Union Checking Rates

Product	Rate	APY
Consumer Checking (Share Draft) Accounts	-	2.00%
Min Deposit $20 Min Balance $100 Details Qualifications Required: 10 posted and cleared debit card transactions per month (PIN or Signature based, not including ATM transactions); Establish direct deposit ($1,000 total minimum per month); E-Documents enrollment (receive monthly e-statements and account notices electronically); Balances $15,000 and under earn 2.00% APY as long as monthly criteria* is met. The remaining balance over $15,000 earns 0.10% APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Smart REWARDS Checking	1.98%	2.00%
Min Balance $100 Details Balance: $100 - $15,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Elite Checking	0.30%	0.30%
Min Balance $2,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Essentials Checking	0.10%	0.10%
Min Balance $1,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Smart REWARDS Checking	0.10%	0.10%
Min Balance $15,000 Details Balance: Over $15,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

Meriwest Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.99%
Details Auto Loans as low as 4.99% APR Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

Meriwest Credit Union Personal Loan Rates

Product	APR	Term	View More
Value Choice Personal Line of Credit	6.50%	6-months
Details Special Anniversary Rate for Value Choice Personal Line of Credit. For a limited time as low as 6.50% APR for 6-months Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

Meriwest Credit Union Other Rates

Product	Rate	Points	APY/APR
Accumulative IRA	0.03%	-	0.03%
Min Balance $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business SecureEdge Money Market	2.27%	-	2.30%
Min Balance $250,001 Details Balance: $250,001+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business SecureEdge Money Market	1.54%	-	1.55%
Min Balance $100,000 Details Balance: $100,000-$250,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business SecureEdge Money Market	0.55%	-	0.55%
Min Balance $10,000 Details Balance: $10,000-$99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
SecureEdge Money Market	2.27%	-	2.30%
Min Balance $250,001 Details Balance: $250,001+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
SecureEdge Money Market	1.54%	-	1.55%
Min Balance $100,000 Details Balance: $100,000-$250,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
SecureEdge Money Market	0.55%	-	0.55%
Min Balance $10,000 Details Balance: $10,000-$99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
SecureEdge Money Market	2.27%	-	2.30%
Min Balance $250,000 Details Balance: $250,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
SecureEdge Money Market	1.54%	-	1.55%
Min Balance $100,000 Details Balance: $100,000-$250,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
SecureEdge Money Market	0.55%	-	0.55%
Min Balance $10,000 Details Balance: $10,000-$99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

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.

Financial Health History

Meriwest Credit Union’s Texas Ratio fell from 8.72% in Q2 2023 to 7.77% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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
March 31, 2026	$2.2B	7.77%	5.0	A
December 31, 2025	$2.1B	9.11%	5.0	A
September 30, 2025	$2.1B	8.90%	5.0	A
June 30, 2025	$2.1B	8.23%	5.0	A
March 31, 2025	$2.1B	8.29%	5.0	A
December 31, 2024	$2.1B	6.16%	5.0	A
September 30, 2024	$2.1B	11.58%	5.0	A
June 30, 2024	$2.2B	5.80%	5.0	A+
March 31, 2024	$2.2B	5.73%	5.0	A+
December 31, 2023	$2.2B	4.33%	5.0	A+
September 30, 2023	$2.2B	3.06%	5.0	A+
June 30, 2023	$2.3B	8.72%	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 Meriwest 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 Meriwest 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 Meriwest Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Meriwest Credit Union

Website https://www.meriwest.com

Address 5615 Chesbro Ave, San Jose, CA 95123-3046

Phone 408-972-5222

Fax 408-363-3298

President Arthur Jue

CEO Lisa Pesta

Full-Time Employees 221

Part-Time Employees 0

Branch Locations 11

ATM Locations 11

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.77%

Return on Assets (ROA)

0.0084%

Return on Equity (ROE)

0.0949%

Non-Performing Loans Ratio (NPL)

1.02%

Total Assets

2,163,596,666

Total Amount of Shares and Deposits

1,753,530,366

Total Shares and Deposits < 1 Year

1,706,327,741

Total Shares and Deposits 1 3 Years

46,751,742

Total Shares and Deposits > 3 Years

450,883

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

243,866,462

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

243,866,462

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

1,509,663,904

Total Interest Expense (Sum of items 6 8)

9,814,354

Share Certificates

9,053

Number of Accounts for Share Drafts

48,097

IRA KEOGH Accounts

2,110

Number of Accounts for Regular Shares

46,909

Non Member Deposits

Money Market Shares

2,799

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)

94,786,766

Total Liabilities

1,991,431,282

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Meriwest 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

There are no reviews for Meriwest Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Meriwest Credit Union

Frequently Asked Questions About Meriwest Credit Union

How many branches does Meriwest Credit Union operate?

Meriwest 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 Meriwest Credit Union?

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

Does Meriwest Credit Union offer online and mobile banking?

Most modern institutions like Meriwest 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.meriwest.com.

Current Meriwest Credit Union Rates

12-Month CD2.95%
24-Month CD2.90%
60-Month CD3.15%
Savings0.10%
MMA0.10%

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

Compare to Other Credit Unions

Meriwest Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Meriwest Credit Union Texas Ratio

Meriwest Credit Union Health Trend

Meriwest Credit Union CD Rates

Meriwest Credit Union Savings Rates

Meriwest Credit Union Money Market Rates

Meriwest Credit Union Checking Rates

Meriwest Credit Union Auto Loan Rates

Meriwest Credit Union Personal Loan Rates

Meriwest Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Meriwest Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Meriwest Credit Union

How many branches does Meriwest Credit Union operate?

Is a member application needed to join Meriwest Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Meriwest Credit Union offer online and mobile banking?

Current Meriwest Credit Union Rates

Compare to Other Credit Unions