High-Yield Savings Accounts
Simple, flexible options that help you build the future you want.
Savings options that fit your goals.
A Meridian Trust savings account gives you a straightforward way to put money aside and watch it grow. Whether you are saving for something soon or planning for something bigger, you will find options that support your goals and your pace.
Primary Savings
Your gateway to membership and everyday savings.
- Opens your membership
- Earns dividends
- Great for emergency funds or short-term goals
Holiday & Special Savings
Save through the year for holidays, travel, or upcoming expenses.
- No monthly fees
- Easy automatic transfers
- Helps you plan ahead
Reverse Tier Money Market
Earn more on your lower balances while keeping your money accessible.
- Strong returns at lower tiers
- No long-term commitment
- Ideal for savings you may need soon
Certificates
Guaranteed returns for long-term planning.
- $500 minimum
- Terms from 6 to 60 months
- Locked-in, predictable earnings
IRAs
Save for retirement or education with tax advantages.
- Traditional, Roth, and SEP options
- Education savings through Coverdell ESA
- Rollover-friendly if changing jobs
Health Savings Accounts (HSAs)
A tax-advantaged way to save for medical expenses.
- No monthly or annual fee
- HSA debit card for easy spending
- Funds roll over every year
CURRENT RATES
Savings Type | Minimum Opening Balance | Minimum Balance to Earn APY | Dividend Rate | APY* |
|---|---|---|---|---|
Savings Type Savings | Minimum Opening Balance $10 | Minimum Balance to Earn APY $100 | Dividend Rate 0.05% | APY* 0.05% |
Savings Type Steady Savers Club up to $1,500 | Minimum Opening Balance $25 | Minimum Balance to Earn APY $100 | Dividend Rate 3.93% | APY* 4.00% |
Savings Type Steady Savers Club over $1,500 | Minimum Opening Balance $25 | Minimum Balance to Earn APY $100 | Dividend Rate 0.05% | APY* 0.05% |
*APY=Annual Percentage Yield. Rates may change without notice. Rates above are effective as of January 1, 2024. Fees could reduce the earnings on the account. Steady Savers Club accounts are Tiered Rate accounts. For these accounts, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. The annual percentage yields, which vary depending on the balance in the account, are shown for each tier. To be eligible for Steady Savers APY, account holder must make deposit(s) or balance transfer(s) totaling $50 or more each month into the Steady Savers Club account. Membership required.
HOW TO OPEN A SAVINGS ACCOUNT
Bring your ID
A valid government-issued photo ID is required.
Your social security #
This helps us verify your identity and set up your membership.
Share your address
A physical address is required. You can add a mailing address if different.
Make your opening deposit
A small deposit starts your savings account and activates your membership.
More ways we can help
FAQs
RELATED PRODUCTS + SERVICES
Your next financial step starts here.
Whether you are saving, investing, or preparing for the unexpected, we are here to help you move confidently forward.
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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.