Certificates & IRAs
Predictable growth you can count on.
Savings with purpose
Certificates give you guaranteed returns with fixed terms and strong rates. IRAs help you invest in your future with tax advantages that support retirement goals. Both give you reliable growth with simple, transparent terms.
What you can choose from:
Fixed-rate certificates
High-yield certificate specials
Traditional IRAs
Roth IRAs
Educational IRAs
Flexible terms and deposit options
Secure, Predictable Growth
Your rate stays locked for the full term, helping you plan with confidence.
Flexible Terms
Choose the timeline that fits your savings goals — from short-term options to multi-year terms.
IRA Tax Advantages
Save for retirement with potential tax benefits, depending on the IRA type that fits your needs.
CURRENT RATES
Term | Minimum Opening Balance | Minimum Balance to Earn APY | Dividend Rates | APY* |
|---|---|---|---|---|
Term 6 months | Minimum Opening Balance $500 | Minimum Balance to Earn APY $500 | Dividend Rates 3.40% | APY* 3.45% |
Term 12 months | Minimum Opening Balance $500 | Minimum Balance to Earn APY $500 | Dividend Rates 3.26% | APY* 3.30% |
Term 18 months | Minimum Opening Balance $500 | Minimum Balance to Earn APY $500 | Dividend Rates 3.26% | APY* 3.30% |
Term 24 months | Minimum Opening Balance $500 | Minimum Balance to Earn APY $500 | Dividend Rates 3.16% | APY* 3.20% |
Term 30 months | Minimum Opening Balance $500 | Minimum Balance to Earn APY $500 | Dividend Rates 3.16% | APY* 3.20% |
Term 36 months | Minimum Opening Balance $500 | Minimum Balance to Earn APY $500 | Dividend Rates 3.16% | APY* 3.20% |
Term 48 months | Minimum Opening Balance $500 | Minimum Balance to Earn APY $500 | Dividend Rates 3.21% | APY* 3.25% |
Term 60 months | Minimum Opening Balance $500 | Minimum Balance to Earn APY $500 | Dividend Rates 3.30% | APY* 3.35% |
*APY=Annual Percentage Yield. Rates may change without notice. Rates above are effective as of September 1, 2025. Special promotional rates may not be combined with other offers. A penalty may be imposed for withdrawals before maturity. If your certificate has an original maturity of 12 months or less, the penalty will equal 90 days’ worth of dividends on the amount withdrawn, whether earned or not. If your certificate has an original maturity greater than 12 months, the penalty will equal 180 days’ worth of dividends, whether earned or not. Fees could reduce the earnings on the account. $500 minimum deposit. Share Certificates may be added to in $100 increments up to an additional $5,000 during the term of the certificate. Pay monthly. Membership required.
IRA OPTIONS
It pays to get started sooner, so don’t delay! You can save for your retirement, education, or other qualified life events with one of the following options.
Traditional IRA
Build your retirement savings while enjoying tax benefits. You will not pay tax on your earnings until you make withdrawals. Your contributions may be tax-deductible. This could be your best option if you are under 70 and have earned income.
Roth IRA
A Roth IRA may be the best choice for you if you expect to be in a higher tax bracket in the future. Unlike a Traditional IRA, your contributions are not tax-deductible, but your earnings grow tax-deferred and withdrawals can be made tax-free. Also unlike a traditional IRA, you aren’t required to make annual withdrawals at a certain age.
Coverdell Education Savings Account
Save for education expenses. Contributions to a Coverdell ESA are not deductible, but amounts deposited in the account grow tax free until distributed. Distributions are tax-free as long as they are used for qualified education expenses, such as tuition and fees, required books, supplies and equipment and qualified expenses for room and board.
Simplified Employee Pension Plan (SEP)
Available to any size business, a SEP plan can provide a source of income at retirement by allowing employers to set aside money in retirement accounts for themselves and their employees. A SEP does not have the start-up and operating costs of a conventional retirement plan and allows for a contribution of up to 25% of each employee’s pay.
Looking to roll over your retirement savings?
You can move assets from your previous employer-sponsored retirement plan into a Meridian Trust IRA. You continue to keep the tax benefits. If you’ve changed jobs or have retired, this could be the best choice for you right now.
IRA RATES
Individual Retirement Accounts can be opened as:
An IRA Share Certificate (CD) with a minimum balance of $500
An IRA Money Market Account, or as
An IRA Share Savings Account
Balance | Dividend Rate | APY* |
|---|---|---|
Balance $0 - $2,499 | Dividend Rate 0.05% | APY* 0.05% |
Balance $2,500 - $9,999 | Dividend Rate 0.25% | APY* 0.25% |
Balance $10,000 - $24,999 | Dividend Rate 0.30% | APY* 0.30% |
Balance $25,000 - $49,999 | Dividend Rate 0.35% | APY* 0.35% |
Balance $50,000 - $99,999 | Dividend Rate 0.40% | APY* 0.40% |
Balance $100,000 - $149,999 | Dividend Rate 0.99% | APY* 1.00% |
Balance $150,000+ | Dividend Rate 1.98% | APY* 2.00% |
*APY=Annual Percentage Yield. Rates may change without notice. Rates above are effective as of July 11, 2025. Money Market accounts are Tiered Rate accounts. For these accounts, if the balance falls within the range for a particular tier, the dividend rate applicable to that tier will apply to the full balance in the account. Special promotional rates may not be combined with other offers. Fees could reduce the earnings on the account. Membership required.
Why Members Choose Certificates:
- Guaranteed earnings
- Higher returns than traditional savings
- No surprises or hidden conditions
- Great for short- and mid-term planning
Why Members Choose IRAs:
- Tax advantages (based on account type)
- Long-term growth opportunities
- A smart addition to retirement planning
- Flexible options for contributions
FAQs
Find the savings option that works for you.
OPEN A CERTIFICATE
OPEN AN IRA
TALK WITH A SAVING SPECIALIST
DISCLOSURES: **APY=Annual Percentage Yield. For these accounts, the APY for tier will apply only to the portion of the account balance that is within that tier. The APY, which will vary depending on the balance in the account, is shown for each tier. Total interest paid on these accounts is the sum from each tier resulting in a “Blended APY” as disclosed on the rates and service charges document and product details page. A monthly qualification cycle begins on the first day of the statement cycle and ends on the last day of the statement cycle. Limit one Reverse Tier Money Market Account per primary Social Security Number. Certain withdrawal limits apply to Money Market accounts, be sure to review your Membership and Account Agreement Disclosure for details. Credit Union membership required. If you’re not already a member, it’s easy to qualify. Ask to join today! Federally insured by the NCUA.