Rates

*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.

*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.

*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.

^*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.

^*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.

*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.

*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).

*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.

^*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.

^*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.

*APR=Annual Percentage Rate. Rates may change without notice. Rates above are effective as of December 17, 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.

*APR=Annual Percentage Rate. Rates may change without notice. Rates above are effective as of December 19, 2025. Age 18 or older, membership and credit qualification required.0.75% loan fee plus $250 processing fee and all third party costs.

*APR=Annual Percentage Rate. Rates may change without notice. Rates above are effective as of December 17, 2025. Age 18 or older, membership and credit qualification required. 75%-80% Maximum Loan to Value. Fees: 1.5% plus all Costs (1.0% for the construction loan, 0.50% for the permanent loan).