Current Rates
Straightforward rates to help you make informed decisions about your money.
BROWSE RATES BY PRODUCT
Select a category below to view current rates and details.
Checking & Savings
Home Loans
Vehicle Loans
Credit Cards
Personal Loans
Student Loans
Business Accounts & Credit
Business Loans
Checking & Savings
Meet MaxRewards criteria? | Minimum Balance to Earn APY | Dividend Rate | APY* |
|---|---|---|---|
Meet MaxRewards criteria? Yes | Minimum Balance to Earn APY $1,000 | Dividend Rate 3.93% | APY* 4.00% |
Meet MaxRewards criteria? No | Minimum Balance to Earn APY $1,000 | Dividend Rate 0.00% | APY* 0.00% |
*APY=Annual Percentage Yield. To earn 4.00% APY, must meet just 4 simple criteria as follows: 1) Requires minimum of one direct deposit per month that must post and clear your account during the monthly cycle. 2) Requires 10 monthly debit card purchases, minimum of $5 per purchase, that must post and clear your account during the monthly cycle. 3) Must sign-up for eStatements. 4) Keep a minimum monthly balance of $1,000 in checking account only, not all deposit accounts combined. That’s it! You’ll earn 4.00% APY in every month of the year during which these 4 activities occur. For example, if you meet all 4 criteria in February and March, but not in April, you will earn 4.00% in February and March but not in April. 4.00% rate will be paid on deposits in checking account up to $25,000. Balance amounts over $25,000 will earn 0.00%. Rates are effective as of August 1, 2024 and are subject to change at any time without notice. Credit union membership required. Personal accounts only, no business accounts. One MaxRewards Checking Account per account/unique SSN. MaxRewards Checking 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.
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.
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.
Balance | Dividend Rate | APY* |
|---|---|---|
Balance $0.00 - $2,000.00 | Dividend Rate 5.84% | APY* 6.00% |
Balance $2,000.01 - $5,000.00 | Dividend Rate 2.47% | APY* 3.90-5.99% |
Balance $5,000.01 - $10,000.00 | Dividend Rate 0.50% | APY* 2.20-3.89% |
Balance $10,000.01+ | Dividend Rate 0.10% | APY* 0.10-2.20% |
*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.
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.
Youth Account Type | Minimum Opening Balance | Minimum Balance to Earn APY | Dividend Rate | APY* |
|---|---|---|---|---|
Youth Account Type Kirby Kangaroo Club Kids Savings Program | Minimum Opening Balance $10 | Minimum Balance to Earn APY $100 | Dividend Rate 0.05% | APY* 0.05% |
Youth Account Type Claim Your Youth Savings Account | Minimum Opening Balance $10 | 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 December 5, 2022. For a Kirby Kangaroo Savings Account, when the account owner reaches 13 years of age, the funds, account features and benefits will be transferred into a Claim Your Youth Savings Account. For a Claim Your Youth Savings Account, when the account owner reaches 18 years of age, the funds in the account will be transferred into a regular Savings Account. Fees could reduce the earnings on the account. Membership required.
Minimum Opening Balance | Minimum Balance to Earn APY | Dividend Rate | APY* |
|---|---|---|---|
Minimum Opening Balance $0 | 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 December 5, 2022. Penalty may be imposed for early withdrawal. Special promotional rates may not be combined with other offers. Fees could reduce the earnings on the account. Membership required.
Home Loans
Loan Type | Draw Period | Repayment Period | APR* as low as | Adjust/Reprice | Max CLTV |
|---|---|---|---|---|---|
Loan Type Variable Rate HELOC | Draw Period 120 months | Repayment Period 240 months | APR* as low as 5.75% | Adjust/Reprice Monthly based on prime rate | Max CLTV Lesser of 95% LTV or $399,999 |
Loan Type Fixed Rate HELOC | Draw Period 24 months | Repayment Period 60 months | APR* as low as 6.00% | Adjust/Reprice Fixed rate | Max CLTV Lesser of 95% LTV or $200,000 |
*APR=Annual Percentage Rate. CLTV= Combined Loan to Value. Rates and terms as of January 1, 2026, and are subject to change without notice. Lowest stated APR assumes a credit score of 750 or above and an CLTV of 90% or less. $99 origination fee. No annual fee. Rate, terms, and conditions as stated in the Home Equity Agreement will apply. Payment in draw period is interest only. Payment amount may increase after draw period ends. Annual percentage rate is subject to a monthly adjustment after consummation. APR not to exceed 18%. Subject to credit, collateral, and underwriting approval. Meridian Trust Federal Credit Union is federally insured by the NCUA and is an Equal Housing Lender. NMLS ID #412716.
Fixed Rate | Rate as low as | APR* | Max CLTV |
|---|---|---|---|
Fixed Rate Up to 240 months | Rate as low as 7.75% | APR* 7.778% | Max CLTV 95% |
*APR=Annual Percentage Rate. CLTV= Combined Loan to Value. Rates and terms as of November 1, 2025 and are subject to change without notice. Lowest stated APR assumes a credit score of 750 or above and an CLTV of 90% or less. $99 origination fee. No annual fee. Subject to credit, collateral, and underwriting approval. Meridian Trust Federal Credit Union is federally insured by the NCUA and is an Equal Housing Lender. NMLS ID #412716.
Max Term | Rate as low as | APR* | Max LTV |
|---|---|---|---|
Max Term 180 Months | Rate as low as 7.50% | APR* 7.50% | Max LTV 75% |
*APR=Annual Percentage Rate. Rates and terms as of November 1, 2025 and are subject to change without notice. Subject to credit, collateral, and underwriting approval. LTV=Loan to Value. Meridian Trust Federal Credit Union is federally insured by the NCUA and is an Equal Housing Lender. NMLS ID #412716.
Term | APR* as low as |
|---|---|
Term ≤12 months | APR* as low as 7.25% |
*APR=Annual Percentage Rate. Rates may change without notice. Rates above are effective as of January 1, 2026. Age 18 or older, membership and credit qualification required. 80% of Loan to Value or 80% of cost whichever is less. Fees: 1.5% loan fee plus all costs (1% for the construction loan and 0.50% for the permanent loan).
Vehicle Loans
Vehicle Loan Type | APR* as Low as |
|---|---|
Vehicle Loan Type Vehicles 2025-2026 | APR* as Low as 4.24% |
Vehicle Loan Type Vehicles 2018-2024 | APR* as Low as 5.49% |
Vehicle Loan Type Vehicles 2017 and Older | APR* as Low as 6.49% |
*APR=Annual Percentage Rate. Age 18 or over. Offer valid on Cars, Trucks, and SUVs. Rates effective as of January 7, 2026, and are subject to change without notice. Lowest stated APR assumes a credit score of 750 or above and includes automatic payment discount of 0.25%. Lowest rate without discounts is 4.24%. Loan terms up to 96 months on 2025 or newer. Most favorable loans terms available on model years 2025 or newer. No payments required for the first 45 days. No minimum or maximum loan balance required. Subject to credit, collateral, and underwriting approval. Standard underwriting guidelines and credit policies apply. Credit Union membership required. Meridian Trust Federal Credit Union is federally insured by the NCUA
Vehicle Loan Type | APR* as low as |
|---|---|
Vehicle Loan Type Recreational Vehicles 2025-2026 | APR* as low as 6.25% |
Vehicle Loan Type Recreational Vehicles 2018-2024 | APR* as low as 7.25% |
Vehicle Loan Type Recreational Vehicles 2017 and Older | APR* as low as 8.00% |
*APR=Annual Percentage Rate. Age 18 or over. Offer valid on Class B&C Motorhomes, Boats, Trailers, Campers and Utility Trailers. Rates effective as of January 7, 2026 and subject to change without notice. Lowest stated APR assumes a credit score of 750 or above and includes automatic payment discount of 0.25%. Lowest rate without discounts is 6.25%. Loan terms up to 180 months on 2025 or newer. No payments required for the first 45 days. Subject to credit, collateral, and underwriting approval. Standard underwriting guidelines and credit policies apply. Credit Union membership required. Meridian Trust Federal Credit Union is federally insured by the NCUA.
Vehicle Loan Type | APR* as low as |
|---|---|
Vehicle Loan Type Powersports 2025-2026 | APR* as low as 5.99% |
Vehicle Loan Type Powersports 2018-2024 | APR* as low as 6.74% |
Vehicle Loan Type Powersports 2017 and Older | APR* as low as 7.74% |
*APR=Annual Percentage Rate. Age 18 or over. Offer valid on Motorcycles, ATVs, Jet Skis, Snowmobiles, and Personal Watercraft. Rates effective as of January 7, 2026 and subject to change at any time without notice. Lowest stated APR assumes a credit score of 750 or above and includes automatic payment discount of 0.25%. Lowest rate without discounts is 5.99%. Loan terms up to 72 months on 2025 or newer. No payments required for the first 45 days. Subject to credit, collateral, and underwriting approval. Standard underwriting guidelines and credit policies apply. Credit Union membership required. Meridian Trust Federal Credit Union is federally insured by the NCUA.
Credit Cards
Credit Card | APR* |
|---|---|
Credit Card Visa Rewards | APR* 11.75% |
*APR=Annual Percentage Rate. This APR will vary with the market based on the Prime Rate. Rates above are effective as of January 1, 2026. Age 18 or older, membership and credit qualification required.
Fee Type | Fee Details |
|---|---|
Fee Type Annual Fee | Fee Details None |
Fee Type Foreign Transaction Fee | Fee Details 1.00% of each transaction in U.S. Dollars |
Fee Type Cash Advance Fee* | Fee Details 3.00% of transaction amount |
Fee Type Late payment penalty fee | Fee Details $25 if you are more than 10 days late |
Fee Type Returned payment penalty fee | Fee Details $25 |
*Cash Advance Fee of 3.00% of transaction amount is effective on November 6, 2023.
Personal Loans
Term | APR* as low as |
|---|---|
Term Up to 60 months | APR* as low as 8.99% |
*APR=Annual Percentage Rate. Age 18 or over. Rates effective as of September 2, 2025, and are subject to change without notice. Lowest stated APR assumes a credit score of 750 or above and includes automatic payment discount of 0.25%. Lowest rate without discounts is 9.24%. No payments required for the first 45 days. Subject to credit, collateral, and underwriting approval. Standard underwriting guidelines and credit policies apply. Credit Union membership required. Meridian Trust Federal Credit Union is federally insured by the NCUA.
Student Loans
Our innovative Student Choice private student lending solution is designed to help you responsibly fill funding gaps that may remain after you’ve exhausted lower-cost sources of aid. With our low rates and fewer fees, you could save hundreds of dollars a year by choosing Meridian Trust’s loan over other lenders.
Benefits
- Available for undergraduate and graduate students
- Competitive fixed and variable interest rates
- Get funding from our line of credit even if you’re unsure of your college or exact funding needs
- Potentially reduce your rate by 0.25% by enrolling in automatic electronic payments during repayment
- Multiple repayment & in-school deferment options
- Borrow local from a not-for-profit credit union you can trust
Options
Business Accounts & Credit
Minimum Opening Balance | Minimum Balance to earn APY* | Dividend Rate | APY* |
|---|---|---|---|
Minimum Opening Balance $10 | 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 December 5, 2022. Fees could reduce the earnings on the account. Membership required.
Term | Minimum Opening Balance | Minimum Balance to Earn APY | Dividend Rates | APY* |
|---|---|---|---|---|
Term 7 months | Minimum Opening Balance $500 | Minimum Balance to Earn APY $500 | Dividend Rates 4.162% | APY* 4.25% |
Term 14 months | Minimum Opening Balance $500 | Minimum Balance to Earn APY $500 | Dividend Rates 3.922% | APY* 4.00% |
*APY=Annual Percentage Yield. Rates of 4.25% APY for a 7-month term or 4.00% APY for a 14-month term are effective as of 11/03/2025 and subject to change or end without notice. Limit one certificate of each term per unique Social Security Number. This is a special promotional rate and may not be combined with other offers. A penalty may be imposed for withdrawals before certificate maturity. Fees could reduce earnings on the account. $500 minimum deposit, no maximum. No additional deposits are allowed to the certificate once opened. Dividends compounded monthly. Automatic renewal into a standard 12-month certificate at the end of the term, at current rates at the time, unless member directs us otherwise. Special rate is good for new and current members. Valid for personal and business accounts. Credit union membership required. If you’re not already a member, it’s easy to qualify. Ask to join today! Federally insured by NCUA.
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.
Business Line of Credit Type | Draw Period | Repayment Period | Rates As Low As | Adjust/Reprice | Max LTV |
|---|---|---|---|---|---|
Business Line of Credit Type Operating Line of Credit* | Draw Period 12 Month | Repayment Period 30 Day Resting Provision 12 Month Amortization | Rates As Low As Call for rates | Adjust/Reprice Annually | Max LTV Based on Collateral |
Business Line of Credit Type RE Secured** | Draw Period 36 Month | Repayment Period 120 Month | Rates As Low As Call for rates | Adjust/Reprice Annually | Max LTV 80% |
*Direct Costs plus $35 for Filing Fees
**Fees: 1.00% plus direct costs (min. $500)
Rates subject to change without notice. Age 18 or older, membership, and credit qualification required.
Business Loans
Vehicle Loan Type | APR* as Low as |
|---|---|
Vehicle Loan Type Vehicles 2025-2026 | APR* as Low as 4.24% |
Vehicle Loan Type Vehicles 2018-2024 | APR* as Low as 5.49% |
Vehicle Loan Type Vehicles 2017 and Older | APR* as Low as 6.49% |
*APR=Annual Percentage Rate. Age 18 or over. Offer valid on Cars, Trucks, and SUVs. Rates effective as of January 7, 2026, and are subject to change without notice. Lowest stated APR assumes a credit score of 750 or above and includes automatic payment discount of 0.25%. Lowest rate without discounts is 4.24%. Loan terms up to 96 months on 2025 or newer. Most favorable loans terms available on model years 2025 or newer. No payments required for the first 45 days. No minimum or maximum loan balance required. Subject to credit, collateral, and underwriting approval. Standard underwriting guidelines and credit policies apply. Credit Union membership required. Meridian Trust Federal Credit Union is federally insured by the NCUA.
Term | APR* as low as |
|---|---|
Term ≤60 months | APR* as low as 7.00% |
*APR=Annual Percentage Rate. Rates may change without notice. Rates above are effective as of October 30, 2025. Age 18 or older, membership and credit qualification required. Less than or equal to 80% Maximum Loan to Value. 50%-65% Maximum Loan to Value for Special Use Equipment. Add 1.00% to equipment 2016 and older. Plus $35 for Filing Fees.