Free Checking

Meet MaxRewards criteria?

Minimum Balance to Earn APY

Dividend Rate

APY*

*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 0.05%. Rates are effective as of December 1, 2022 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. Any questions? Stop in to your nearest branch or call us at 800.726.5644.

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

0.05%

APY*

0.05%

Savings and Steady Savers Club Accounts

Savings Type

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 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.

Savings Type

Savings

Minimum Opening Balance

$10

Minimum Balance to Earn APY

$100

Dividend Rate

0.05%

APY1

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%

APY1

4.00%

Savings Type

Steady Savers Club over $1,500

Minimum Opening Balance

$25

Minimum Balance to Earn APY

$100

Dividend Rate

0.05%

APY1

0.05%

Money Market and IRA Money Market Accounts

Balance

Dividend Rate

APY1

1Annual Percentage Yield.

Rates may change without notice. Rates above are effective as of February 1, 2024. 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

$0 - $2,499

Dividend Rate

0.05%

APY1

0.05%

Balance

$2,500 - $9,999

Dividend Rate

0.25%

APY1

0.25%

Balance

$10,000 - $24,999

Dividend Rate

0.30%

APY1

0.30%

Balance

$25,000 - $49,999

Dividend Rate

0.35%

APY1

0.35%

Balance

$50,000 - $99,999

Dividend Rate

0.40%

APY1

0.40%

Balance

$100,000 - $149,999

Dividend Rate

0.99%

APY1

1.00%

Balance

$150,000

Dividend Rate

2.22%

APY1

2.25%

Certificates and IRA Share Certificates

Term

Minimum Opening Balance

Minimum Balance to Earn APY

Dividend Rates

APY1

1Annual Percentage Yield.

Rates may change without notice. Rates above are effective as of 5/20/24. 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.

Term

6 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

$500

Dividend Rates

3.98%

APY1

4.05%

Term

12 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

$500

Dividend Rates

3.93%

APY1

4.00%

Term

18 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

$500

Dividend Rates

3.69%

APY1

3.75%

Term

24 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

$500

Dividend Rates

3.59%

APY1

3.65%

Term

30 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

$500

Dividend Rates

3.54%

APY1

3.60%

Term

36 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

$500

Dividend Rates

3.49%

APY1

3.55%

Term

48 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

$500

Dividend Rates

3.44%

APY1

3.50%

Term

60 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

$500

Dividend Rates

3.69%

APY1

3.75%

Youth Accounts

Youth Account Type

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 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.

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%

Health Savings Accounts (HSAs)

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 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.

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.
First Mortgage Purchase and Refinance Loans

Loan Type

Rates as Low as

APR*

Rates and terms as of 05/07/2024 and are subject to change without notice. Mortgage insurance may be required with loan amounts > 80% LTV. *Pricing assumes a median FICO score of 780 or higher, 60-day lock, and LTV of 80%. Subject to credit, collateral, and underwriting approval. APR = Annual Percentage Rate. LTV = Loan to Value.

Loan Type

Conventional 30 Year Fixed*

Rates as Low as

6.875%

APR*

6.978%

Loan Type

Conventional 20 Year Fixed*

Rates as Low as

6.625%

APR*

6.759%

Loan Type

Conventional 15 Year Fixed*

Rates as Low as

6.375%

APR*

6.541%

Loan Type

FHA 30 Year Fixed Purchase

Rates as Low as

6.500%

APR*

7.249%

Loan Type

VA 30 Year Fixed Purchase

Rates as Low as

6.500%

APR*

6.846%

Express Mortgage Loans

Term

Rate as Low as

APR*

Max LTV

Rates and terms as of 04/22/2024 and are subject to change without notice. For refinancing of existing mortgages only. Maximum loan amount of $400,000. Owner occupied only. Subject to credit, collateral, and underwriting approval. APR = Annual Percentage Rate. LTV = Loan to Value.

Term

12 Years or Less (Refinance Only)

Rate as Low as

6.250%

APR*

6.445%

Max LTV

80%

Home Equity Line of Credit (HELOC)

Loan Type

Draw Period

Repayment Period

APR* as low as

Adjust/Reprice

Max LTV

Rates and terms as of 04/22/2024 and are subject to change without notice. $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. APR not to exceed 18%. Subject to credit, collateral, and underwriting approval. APR = Annual Percentage Rate. LTV = Loan to Value.

Loan Type

Variable Rate HELOC

Draw Period

120 months

Repayment Period

240 months

APR* as low as

8.75%

Adjust/Reprice

Monthly based off prime rate

Max LTV

Lesser of 90% CLTV or $399,999

Home Equity Loans

Fixed Rate

APR as low as

Max LTV

Rates and terms as of 04/22/2024 and are subject to change without notice. $99 origination fee. No annual fee. Subject to credit, collateral, and underwriting approval. APR = Annual Percentage Rate. LTV = Loan to Value.

Fixed Rate

Up to 240 months

APR as low as

6.500%

Max LTV

90%

Land Loans

Max Term

APR* as low as

Max LTV

Rates and terms as of 04/22/2024 and are subject to change without notice. Subject to credit, collateral, and underwriting approval. APR = Annual Percentage Rate. LTV = Loan to Value.

Max Term

240 Months

APR* as low as

7.750%

Max LTV

90%

Construction Loans

Term

APR* as low as

*Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of 2/06/2024. 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).

Term

≤12 months

APR* as low as

7.45%

New and Used Auto Loans - Cars and Trucks

Vehicle Loan Type

APR* as Low as

*APR = Annual Percentage Rate. Stated APR assumes 80% loan-to-value.

Rates may change without notice. Rates above are effective as of February 19, 2024 and are dependent on creditworthiness, age of vehicle, and loan to value term. 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.

Vehicle Loan Type

New Vehicles 2023-2025

APR* as Low as

5.99%

Vehicle Loan Type

Used Vehicles 2017-2022

APR* as Low as

6.49%

Vehicle Loan Type

Vehicles 2016 and Older

APR* as Low as

8.49%

Recreational Vehicle Loans - Campers, Boats, and RVs

Vehicle Loan Type

APR* as low as

*APR=Annual Percentage Rate. Stated APR assumes 80% loan-to-value.

Age 18 or over. Subject to credit approval. Standard underwriting guidelines and credit policies apply. Rates effective as of February 19, 2024 and subject to change at any time without notice. Loan terms up to 180 months; based on vehicle type, age, and loan amount.

Vehicle Loan Type

New Recreational Vehicles 2023-2025

APR* as low as

6.99%

Vehicle Loan Type

Used Recreational Vehicles 2017-2022

APR* as low as

7.99%

Vehicle Loan Type

Recreational Vehicles 2016 and Older

APR* as low as

9.99%

Recreational Vehicle Loans - Powersports

Vehicle Loan Type

APR* as low as

*APR=Annual Percentage Rate. Stated APR assumes 80% loan-to-value.

Age 18 or over. Subject to credit approval. Standard underwriting guidelines and credit policies apply. Rates effective as of February 19, 2024 and subject to change at any time without notice. Loan terms up to 72 months; based on vehicle type, age, and loan amount.

Vehicle Loan Type

New Powersports 2023-2025

APR* as low as

6.49%

Vehicle Loan Type

Used Powersports 2017-2022

APR* as low as

7.49%

Vehicle Loan Type

Powersports 2016 and Older

APR* as low as

9.49%

Visa Credit Cards

Get a better credit card interest rate at Meridian Trust! Just 13.50%

Credit Card

APR*

*Annual Percentage Rate.

This APR will vary with the market based on the Prime Rate. Rates above are effective as of November 6, 2023. Age 18 or older, membership and credit qualification required.

Credit Card

Visa Rewards

APR*

13.50%

Visa Credit Card Fees

Fee Type

Fee Details

*Cash Advance Fee of 3.00% of transaction amount is effective on November 6, 2023.

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

Unsecured Personal Loans

Term

APR* as low as

*Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of February 19, 2024. 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.

Term

Up to 60 months

APR* as low as

10.99%

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
Business Savings Accounts

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 December 5, 2022. Fees could reduce the earnings on the account. Membership required.

Minimum Opening Balance

$10

Minimum Balance to earn APY*

$100

Dividend Rate

0.05%

APY1

0.05%

Business Certificates

Term

Minimum Opening Balance

Minimum Balance to Earn APY

Dividend Rates

APY1

1Annual Percentage Yield.

Rates may change without notice. Rates above are effective as of November 13, 2023. 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.

Term

6 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

$500

Dividend Rates

1.98%

APY1

2.00%

Term

12 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

$500

Dividend Rates

2.18%

APY1

2.20%

Term

18 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

$500

Dividend Rates

2.47%

APY1

2.50%

Term

24 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

$500

Dividend Rates

2.67%

APY1

2.70%

Term

30 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

$500

Dividend Rates

2.86%

APY1

2.90%

Term

36 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

$500

Dividend Rates

3.06%

APY1

3.10%

Term

48 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

$500

Dividend Rates

3.25%

APY1

3.30%

Term

60 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

$500

Dividend Rates

3.45%

APY1

3.50%

Business Lines of Credit

Business Line of Credit Type

Draw Period

Repayment Period

Rates As Low As

Adjust/Reprice

Max LTV

*Direct Costs plus $35 for Filing Fees

**Fees: 1.00% plus direct costs

Rates may change without notice. Rates above are effective as of November 6, 2023. Age 18 or older, membership, and credit qualification required.

Business Line of Credit Type

Chattel Secured*

Draw Period

12 Month

Repayment Period

30 Day Resting Provision

12 Month Amortization

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

120 Month

Rates As Low As

WS Prime 1.00%

Adjust/Reprice

Annually

Max LTV

80%

Business Vehicle Loans - New and Used Auto and Truck

Vehicle Loan Type

APR* as Low as

*APR = Annual Percentage Rate. Stated APR assumes 80% loan-to-value.

Rates may change without notice. Rates above are effective as of February 19, 2024 and are dependent on creditworthiness, age of vehicle, and loan to value term. 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.

Vehicle Loan Type

New Vehicles 2023-2025

APR* as Low as

5.99%

Vehicle Loan Type

Used Vehicles 2017-2022

APR* as Low as

6.49%

Vehicle Loan Type

Vehicles 2016 and Older

APR* as Low as

8.49%

Business Equipment Loans

Term

Rate as low as

Rates may change without notice. Rates above are effective as of 4/16/2024. 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.

Term

≤60 months

Rate as low as

8.50%

Business Commercial Real Estate Loans

Term

Interest Rate

Rates may change without notice. Age 18 or older, membership and credit qualification required. 80% Maximum Loan-to-Value. 75% Maximum Loan-to-Value for Cash Our Refinance.  Loan origination of 0.75% plus all costs.

Term

5 Year Term with up to 25 Year Amortization

Interest Rate

Call For Rates

Term

7 Year Term with up to 25 Year Amortization

Interest Rate

Call For Rates

Term

10 Year Term with up to 25 Year Amortization

Interest Rate

Call For Rates

Business Land Loans

Term

Rate as low as

Rates may change without notice. Rates above are effective as of 4/16/2024. Age 18 or older, membership and credit qualification required. 1% Loan fee plus all costs, minimum $500.

Term

1-3 Yr. Term with up to 25 Year Amortization

Rate as low as

7.50%

Business Construction Loans

Term

Rate as low as

Rates may change without notice. Rates above are effective as of 4/16/2024. 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).

Term

≤12 months

Rate as low as

9.00%