Rates
Meet MaxRewards criteria? |
Minimum Balance to Earn APY |
Dividend Rate1 |
APY2 |
---|---|---|---|
1Rate paid will be on amounts up to $15,000. Balances above $15,000 will earn 0.05%. 2APY=Annual Percentage Yield Rates may change without notice. The rates above are effective as of February 8, 2022. 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. The annual percentage yields, which vary depending on the balance in the account, are shown for each tier. Personal accounts only, no business accounts. One MaxRewards Checking Account per account/unique SSN. Requirements apply and membership is required. |
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Meet MaxRewards criteria? Yes |
Minimum Balance to Earn APY $1,000 |
Dividend Rate1 2.96% |
APY2 3.00% |
Meet MaxRewards criteria? No |
Minimum Balance to Earn APY $1,000 |
Dividend Rate1 0.05% |
APY2 0.05% |
Savings Type |
Minimum Opening Balance |
Minimum Balance to Earn APY |
Dividend Rate |
APY1 |
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1Annual Percentage Yield. Rates may change without notice. Rates above are effective as of February 8, 2022. Fees could reduce the earnings on the account. Holiday 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. Membership required. |
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Savings Type Savings |
Minimum Opening Balance $10 |
Minimum Balance to Earn APY $100 |
Dividend Rate 0.05% |
APY1 0.05% |
Savings Type Holiday Savings up to $1,000 |
Minimum Opening Balance $25 |
Minimum Balance to Earn APY $100 |
Dividend Rate 3.93% |
APY1 4.00% |
Savings Type Holiday Savings over $1,000 |
Minimum Opening Balance $25 |
Minimum Balance to Earn APY $100 |
Dividend Rate 0.05% |
APY1 0.05% - 4.00% |
Balance |
Dividend Rate |
APY1 |
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1Annual Percentage Yield. Rates may change without notice. Rates above are effective as of February 8, 2022. 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. 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. |
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Balance $0 - $2,499 |
Dividend Rate 0.05% |
APY1 0.05% |
Balance $2,500 - $9,999 |
Dividend Rate 0.10% |
APY1 0.10% |
Balance $10,000 - $24,999 |
Dividend Rate 0.15% |
APY1 0.15% |
Balance $25,000 - $49,999 |
Dividend Rate 0.20% |
APY1 0.20% |
Balance $50,000 - $99,999 |
Dividend Rate 0.25% |
APY1 0.25% |
Balance $100,000+ |
Dividend Rate 0.30% |
APY1 0.30% |
Term |
Minimum Opening Balance |
Minimum Balance to Earn APY |
APY1 |
---|---|---|---|
1Annual Percentage Yield. Rates may change without notice. Rates above are effective as of February 8, 2022. Members 60 years old or better receive an additional 0.10% increase on all new share certificates on any non-special certificate rates. 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. Compounded quarterly. Membership required. |
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Term 6 months |
Minimum Opening Balance $500 |
Minimum Balance to Earn APY 0.05% |
APY1 0.05% |
Term 12 months |
Minimum Opening Balance $500 |
Minimum Balance to Earn APY 0.250% |
APY1 0.25% |
Term 18 months |
Minimum Opening Balance $500 |
Minimum Balance to Earn APY 0.300% |
APY1 0.30% |
Term 24 months |
Minimum Opening Balance $500 |
Minimum Balance to Earn APY 0.399% |
APY1 0.40% |
Term 30 months |
Minimum Opening Balance $500 |
Minimum Balance to Earn APY 0.499% |
APY1 0.50% |
Term 36 months |
Minimum Opening Balance $500 |
Minimum Balance to Earn APY 0.599% |
APY1 0.60% |
Term 48 months |
Minimum Opening Balance $500 |
Minimum Balance to Earn APY 0.698% |
APY1 0.70% |
Term 60 months |
Minimum Opening Balance $500 |
Minimum Balance to Earn APY 0.798% |
APY1 0.80% |
Youth Account Type |
Minimum Opening Balance |
Minimum Balance to Earn APY |
Dividend Rate |
APY1 |
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1Annual Percentage Yield Rates may change without notice. Rates above are effective as of February 8, 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. |
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Youth Account Type Kirby Kangaroo Club Kids Savings Program |
Minimum Opening Balance $10 |
Minimum Balance to Earn APY $100 |
Dividend Rate 0.05% |
APY1 0.05% |
Youth Account Type Claim Your Youth Savings Account |
Minimum Opening Balance $10 |
Minimum Balance to Earn APY $100 |
Dividend Rate 0.05% |
APY1 0.05% |
Minimum Opening Balance |
Minimum Balance to Earn APY |
Dividend Rate |
APY1 |
---|---|---|---|
1Annual Percentage Yield. Rates may change without notice. Rates above are effective as of February 8, 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. |
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Minimum Opening Balance $0 |
Minimum Balance to Earn APY $100 |
Dividend Rate 0.05% |
APY1 0.05% |
What Rate Can You Get From Meridian Trust?
You can get a great low rate for your next mortgage from Meridian Trust! Whether you’re buying a new home, or want to refinance your current mortgage, contact Meridian Trust at 800.726.5644.
Draw Period |
Repayment Period |
APR* as low as |
Adjust/Reprice |
Max LTV |
---|---|---|---|---|
*APR = Annual Percentage Rate. Requires minimum credit score of 600, membership, and credit approval. 3.99% APR introductory rate for the first year. After one-year promotional period, WS Prime Rate for those with credit scores of 700 and above; WS Prime Rate + 1.00% credit scores 650-699; and WS Prime Rate + 2.00% credit scores below 650. 10-year draw, with 20-year repayment period. No origination fee. No annual fee. CLTV (Combined Loan to Value) of 95% maximum. Adjustable rate floor is 4.00%, rate ceiling is 18.00%. Payment in draw period is interest only. Additional fees may apply. If loan amount is greater than $400,000 full appraisal is required. Maximum loan amount is $500,000. Limited time only, rate shown effective as of May 20, 2022. Rate subject to change and offer may end at any time without notice. Home Equity Loans can be used for Solar Panel purchases. Questions? Call us at 800.726.5644. |
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Draw Period 120 months |
Repayment Period 240 months |
APR* as low as 3.99% |
Adjust/Reprice For 12 Months |
Max LTV Lesser of 95% CLTV or $500,000 |
Term |
Rate as Low as |
Max LTV |
---|---|---|
*Refinance Only* |
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Term 12 Years or Less |
Rate as Low as 4.79% |
Max LTV 80% |
Term |
APR* as Low as |
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*Annual Percentage Rate. Rates may change without notice. Rates above are effective as of May 7, 2022. Age 18 or older, membership and credit qualification required. Other requirements may apply. |
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Term Up to 240 months |
APR* as Low as 6.00% |
Unsecured Solar Panel Loan Type |
Term |
APR* as Low as |
Estimated Payment |
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*APR = Annual Percentage Rate. Rates may change without notice. Rates above are effective as of February 8, 2022. Age 18 or older, membership and credit qualification required. Must have a credit score of 720 or higher. 90% Loan to Cost Limit with a maximum loan amount of $30,000. Estimated Payment based on loan amount of $30,000. Must be the property owner where the solar panel system is installed. Loans require use of credit union approved licensed and certified contractor and installer. No payments start until installation is completed. |
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Unsecured Solar Panel Loan Type 10 Year Fixed Rate |
Term 120 Months |
APR* as Low as 5.00% |
Estimated Payment $318.20 |
Unsecured Solar Panel Loan Type 12 Year Fixed Rate |
Term 144 Months |
APR* as Low as 5.50% |
Estimated Payment $285.05 |
Unsecured Solar Panel Loan Type 15 Year Fixed Rate |
Term 180 Months |
APR* as Low as 6.00% |
Estimated Payment $253.16 |
Term |
APR* as low as |
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*Annual Percentage Rate. Rates may change without notice. Rates above are effective as of February 8, 2022. Age 18 or older, membership and credit qualification required. Other requirements may apply. |
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Term 60 months |
APR* as low as 6.50% |
Term |
APR* as low as |
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*Annual Percentage Rate. **Eligible for amounts greater than $100,000. Rates may change without notice. Rates above are effective as of March 9, 2022. Age 18 or older, membership and credit qualification required. $500 inclusive of all fees except Title, Appraisal/BPO. |
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Term 60 months |
APR* as low as 5.00% |
Term 120 Months |
APR* as low as 5.00% |
Term 180 Months |
APR* as low as 5.00% |
Term 240 Months** |
APR* as low as 6.00% |
Term |
APR* as low as |
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*Annual Percentage Rate. Rates may change without notice. Rates above are effective as of June 1, 2022. 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). |
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Term 9 months or less |
APR* as low as 6.00% |
Vehicle Loan Type |
APR* as Low as |
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*APR = Annual Percentage Rate. Rates may change without notice. Rates above are effective as of August 1, 2022. Age 18 or older, membership and credit qualification required. Maximum terms for each loan type are set in the loan policy. Rates shown here are good for all new loans including refinancing of existing loans elsewhere to our lower rates. Vehicles older than 2014 will qualify for the unsecured rate. You are not required to include income derived from alimony, child support, or separate maintenance payments for consideration on your application. |
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Vehicle Loan Type New Vehicles 2021-2023 |
APR* as Low as 2.99% |
Vehicle Loan Type Used Vehicles 2014-2020 |
APR* as Low as 3.99% |
Vehicle Loan Type |
APR* as low as |
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*APR=Annual Percentage Rate. Age 18 or over. Requires credit score of 650 or above. Subject to credit approval. Standard underwriting guidelines and credit policies apply. Loan-to-Value ratio up to 100%. Minimum monthly loan payment of $150. Rates effective as of 6/01/2022 and subject to change at any time without notice. Loan terms from 72 to 180 months; based on vehicle type, age, and loan amount. |
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Vehicle Loan Type New Recreational Vehicles 2021-2023 |
APR* as low as 4.50% |
Vehicle Loan Type Used Recreational Vehicles 2010-2020 |
APR* as low as 5.50% |
Credit Card |
APR* |
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*Annual Percentage Rate. Rates may change without notice. Rates above are effective as of February 8, 2022. Age 18 or older, membership and credit qualification required. Classic Card issued to qualifying members with credit scores up to 680; Platinum Card issued to qualifying members with credit scores 680 or above. |
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Credit Card Platinum |
APR* 8.99% |
Credit Card Classic |
APR* 11.99% |
Fee Type |
Fee Details |
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*Cash Advance Fee of 3.00% of transaction amount is effective on February 8, 2022. |
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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 |
Term |
APR* as low as |
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*Annual Percentage Rate. Rates may change without notice. Rates above are effective as of February 8, 2022. Age 18 or older, membership and credit qualification required. You are not required to include income derived from alimony, child support, or separate maintenance payments for consideration on your application. |
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Term Up to 60 months |
APR* as low as 7.90% |
Unsecured Solar Panel Loan Type |
Term |
APR* as Low as |
Estimated Payment |
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*APR = Annual Percentage Rate. Rates may change without notice. Rates above are effective as of February 8, 2022. Age 18 or older, membership and credit qualification required. Must have a credit score of 720 or higher. 90% Loan to Cost Limit with a maximum loan amount of $30,000. Estimated Payment based on loan amount of $30,000. Must be the property owner where the solar panel system is installed. Loans require use of credit union approved licensed and certified contractor and installer. No payments start until installation is completed. |
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Unsecured Solar Panel Loan Type 10 Year Fixed Rate |
Term 120 Months |
APR* as Low as 5.00% |
Estimated Payment $318.20 |
Unsecured Solar Panel Loan Type 12 Year Fixed Rate |
Term 144 Months |
APR* as Low as 5.50% |
Estimated Payment $285.05 |
Unsecured Solar Panel Loan Type 15 Year Fixed Rate |
Term 180 Months |
APR* as Low as 6.00% |
Estimated Payment $253.16 |
Draw Period |
Repayment Period |
APR* as low as |
Adjust/Reprice |
Max LTV |
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*APR = Annual Percentage Rate. Requires minimum credit score of 600, membership, and credit approval. 3.99% APR introductory rate for the first year. After one-year promotional period, WS Prime Rate for those with credit scores of 700 and above; WS Prime Rate + 1.00% credit scores 650-699; and WS Prime Rate + 2.00% credit scores below 650. 10-year draw, with 20-year repayment period. No origination fee. No annual fee. CLTV (Combined Loan to Value) of 95% maximum. Adjustable rate floor is 4.00%, rate ceiling is 18.00%. Payment in draw period is interest only. Additional fees may apply. If loan amount is greater than $400,000 full appraisal is required. Maximum loan amount is $500,000. Limited time only, rate shown effective as of May 20, 2022. Rate subject to change and offer may end at any time without notice. Home Equity Loans can be used for Solar Panel purchases. Questions? Call us at 800.726.5644. |
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Draw Period 120 months |
Repayment Period 240 months |
APR* as low as 3.99% |
Adjust/Reprice For 12 Months |
Max LTV Lesser of 95% CLTV or $500,000 |
Minimum Opening Balance |
Minimum Balance to earn APY* |
Dividend Rate |
APY1 |
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1Annual Percentage Yield. Rates may change without notice. Rates above are effective as of February 8, 2022. Fees could reduce the earnings on the account. Membership required. |
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Minimum Opening Balance $10 |
Minimum Balance to earn APY* $100 |
Dividend Rate 0.05% |
APY1 0.05% |
Term |
Minimum Opening Balance |
Minimum Balance to Earn APY |
APY1 |
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1Annual Percentage Yield. Rates may change without notice. Rates above are effective as of February 8, 2022. Members 60 years old or better receive an additional 0.10% increase on all new share certificates on any non-special certificate rates. 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. Compounded quarterly. Membership required. |
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Term 6 months |
Minimum Opening Balance $500 |
Minimum Balance to Earn APY 0.05% |
APY1 0.05% |
Term 12 months |
Minimum Opening Balance $500 |
Minimum Balance to Earn APY 0.250% |
APY1 0.25% |
Term 18 months |
Minimum Opening Balance $500 |
Minimum Balance to Earn APY 0.300% |
APY1 0.30% |
Term 24 months |
Minimum Opening Balance $500 |
Minimum Balance to Earn APY 0.399% |
APY1 0.40% |
Term 30 months |
Minimum Opening Balance $500 |
Minimum Balance to Earn APY 0.499% |
APY1 0.50% |
Term 36 months |
Minimum Opening Balance $500 |
Minimum Balance to Earn APY 0.599% |
APY1 0.60% |
Term 48 months |
Minimum Opening Balance $500 |
Minimum Balance to Earn APY 0.698% |
APY1 0.70% |
Term 60 months |
Minimum Opening Balance $500 |
Minimum Balance to Earn APY 0.798% |
APY1 0.80% |
Purchases APR* |
Cash Advance & Balance Transfers APR* |
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*Annual Percentage Rate. Rates may change without notice. Rates above are effective as of February 8, 2022. Age 18 or older, membership and credit qualification required. |
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Purchases APR* 12.90% |
Cash Advance & Balance Transfers APR* 12.90% |
Business Line of Credit Type |
Draw Period |
Repayment Period |
Rates As Low As |
Adjust/Reprice |
Max LTV |
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*Direct Costs plus $35 for Filing Fees **Fees: 0.75% plus direct costs Rates may change without notice. Rates above are effective as of June 1, 2022. Age 18 or older, membership and credit qualification required. |
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Business Line of Credit Type Chattel Secured* |
Draw Period 12 Month |
Repayment Period 30 Day Resting Provision |
Rates As Low As WS Prime + 1.00% |
Adjust/Reprice Annually |
Max LTV Based on Collateral |
Business Line of Credit Type RE Secured** |
Draw Period 60 Month |
Repayment Period 60 Month |
Rates As Low As WS Prime + 1.00% |
Adjust/Reprice Annually |
Max LTV 80%, 75% Max. LTV Cash Out Refinance |
Loan to Value* |
Rate as low as |
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*Fleet Vehicle Max Loan to Value = 80%; Non-Fleet Max Loan to Value = 100%. Rates may change without notice. Rates above are effective as of June 13, 2022. Age 18 or older, membership and credit qualification required. Non-Fleet is 5 or fewer vehicles used for business purpose. 84 Month Term only for vehicles 2 years old (2020 and newer). Add 0.75% to vehicles older than 2013. Loan to Value is the Loan Amount/the lower of sales price or book value. Maximum terms for each loan type are set in the Loan Policy. Plus $35 for Filing Fees. |
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Loan to Value* ≤ 80% |
Rate as low as 3.60% |
Loan to Value* 100% |
Rate as low as 4.00% |
Term |
Rate as low as |
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Rates may change without notice. Rates above are effective as of February 8, 2022. 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 older than 2013. Plus $35 for Filing Fees. |
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Term ≤60 months |
Rate as low as 5.00% |
Term 61-84 months |
Rate as low as 5.50% |
Term |
Interest Rate |
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*Bps = Basic Points = 1/100 of a percent. Example: (Wall Street Journal Prime = 4.00%) 4.00% + 125Bps = 5.25% Rates may change without notice. Rates above are effective as of June 1, 2022. Age 18 or older, membership and credit qualification required. 80% Max. Loan-to-Value. 75% Max. Loan-to-Value Cash Out. Refinance. 0.75% plus all costs. 15 year terms are available for loans less than $400,000. |
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Term 1-10 Yr. Term with up to 25 yr. Amortization |
Interest Rate WSJ Prime + 100Bps* |
Term 11-15 Yr. Term with up to 25 yr. Amortization |
Interest Rate WSJ Prime + 125Bps* |
Term 15 Yr. Balloon with up to 30 yr. Amortization |
Interest Rate WSJ Prime + 150Bps* |
Term |
Rate as low as |
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Rates may change without notice. Rates above are effective as of February 8, 2022. Age 18 or older, membership and credit qualification required. Can amortize up to 360 months. 1% Loan fee plus all costs. |
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Term ≤ 60 Months |
Rate as low as 5.50% |
Term 120 Months |
Rate as low as 6.00% |
Term 180 Months |
Rate as low as 6.25% |
Term |
Rate as low as |
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Rates may change without notice. Rates above are effective as of February 8, 2022. 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). |
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Term ≤9 months |
Rate as low as 6.00% |