Rates

Free Checking

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.

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 and Holiday Savings 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 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.

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%

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 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.

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%

Certificates and IRA Share Certificates

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.

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 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 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.

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 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.

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.
Home Equity Loans

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. 1.99% 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. Draw Period Example A: $100,000 balance at 1.99% equals a monthly payment of $165.83. Draw Period Example B: $100,000 balance at 4.25% (WS Prime Rate + 1.00%) equals a monthly payment of $354.17. Additional fees may apply. If loan amount is greater than $400,000 full appraisal is required. Maximum loan amount is $500,000. Home Equity Loans can be used for Solar Panel purchases. Rates effective through June 30, 2022. Rates subject to change. Questions? Call us at 800.726.5644.

Draw Period

120 months

Repayment Period

240 months

APR* as low as

1.99%

Adjust/Reprice

For 12 Months

Max LTV

Lesser of 95% CLTV or $500,000

Express Mortgages

Term

Rate as Low as

Max LTV

*Refinance Only*
Rates may change without notice. Rates above are effective as of May 7, 2022. Age 18 or older, membership and credit qualification required. Maximum loan amount $400,000. The payment is principal and interest and does not include taxes and insurance. For refinances of existing mortgages only. Owner occupied homes only.

Term

12 Years or Less

Rate as Low as

4.79%

Max LTV

80%

Second Mortgage Loans

Term

APR* as Low as

*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.

Term

Up to 240 months

APR* as Low as

6.00%

Unsecured Solar Panel Loans

Unsecured Solar Panel Loan Type

Term

APR* as Low as

Estimated Payment

*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.

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

No Lien Home Improvement Loans

Term

APR* as low as

*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.

Term

60 months

APR* as low as

6.50%

Land Loans

Term

APR* as low as

*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. Fees: 1.5% loan fee plus all costs.

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%

Construction Loans

Term

APR* as low as

*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. 80% maximum loan to value. Fees: 1.5% loan fee plus all costs (1% for the construction loan and 0.50% for the permanent loan).

Term

9 months or less

APR* as low as

6.00%

New and Used Auto Loans - Cars and Trucks

Vehicle Loan Type

APR* as Low as

*APR = Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of March 9, 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 2013 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.

Vehicle Loan Type

New Vehicles 2021-2023

APR* as Low as

1.90%

Vehicle Loan Type

Used Vehicles 2013-2020

APR* as Low as

3.99%

Recreational Vehicle Loans - Campers, Boats, Motorcycles and RVs

Vehicle Loan Type

APR* as low as

*APR=Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of February 8, 2022, and are for new campers, travel trailers, airplanes, motor homes, 5th wheels, boats, personal watercrafts, motorcycles, snowmobiles, ATVs and other RVs. Age 18 or older, membership and credit qualification required. Term length is subject to collateral, payment, and loan amount. RVs 2009 and older 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.

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%

Visa® Credit Cards

Credit Card

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. Classic Card issued to qualifying members with credit scores up to 680; Platinum Card issued to qualifying members with credit scores 680 or above.

Credit Card

Platinum

APR*

8.99%

Credit Card

Classic

APR*

11.99%

Visa® Credit Card Fees

Fee Type

Fee Details

*Cash Advance Fee of 3.00% of transaction amount is effective on February 8, 2022.

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 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.

Term

Up to 60 months

APR* as low as

7.90%

Unsecured Solar Panel Loans

Unsecured Solar Panel Loan Type

Term

APR* as Low as

Estimated Payment

*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.

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

Home Equity Loans

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. 1.99% 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. Draw Period Example A: $100,000 balance at 1.99% equals a monthly payment of $165.83. Draw Period Example B: $100,000 balance at 4.25% (WS Prime Rate + 1.00%) equals a monthly payment of $354.17. Additional fees may apply. If loan amount is greater than $400,000 full appraisal is required. Maximum loan amount is $500,000. Home Equity Loans can be used for Solar Panel purchases. Rates effective through June 30, 2022. Rates subject to change. Questions? Call us at 800.726.5644.

Draw Period

120 months

Repayment Period

240 months

APR* as low as

1.99%

Adjust/Reprice

For 12 Months

Max LTV

Lesser of 95% CLTV or $500,000

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 February 8, 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

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.

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%

Business Classic Visa

Purchases APR*

Cash Advance & Balance Transfers 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.

Purchases APR*

12.90%

Cash Advance & Balance Transfers APR*

12.90%

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: 0.75% plus direct costs

Rates may change without notice. Rates above are effective as of April 8, 2022. 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

Rates As Low As

4.50%

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

4.50%

Adjust/Reprice

Annually

Max LTV

80%, 75% Max. LTV Cash Out Refinance

Business Vehicle Loans - New and Used Auto and Truck

Loan to Value*

Rate as low as

*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 February 8, 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.

Loan to Value*

≤ 80%

Rate as low as

1.99%

Loan to Value*

81-100%

Rate as low as

1.99%

Business Equipment Loans

Term

Rate as low as

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.

Term

≤60 months

Rate as low as

5.00%

Term

61-84 months

Rate as low as

5.50%

Business Commercial Real Estate Loans

Term

Interest Rate

*Bps = Basic Points = 1/10 of a percent. Example: (Wall Street Journal Prime = 3.50%) 3.50% + 125Bps = 4.75%

Rates may change without notice. Rates above are effective as of April 8, 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.

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*

Business Land Loans

Term

Rate as low as

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.

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%

Business Construction Loans

Term

Rate as low as

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).

Term

≤9 months

Rate as low as

6.00%