--- title: "Meridian Mutual Credit Union Rates: Vehicle 5.49%, Personal 3.99%" description: "Meridian Mutual Credit Union has the lowest tracked used-car loan rate in Mississippi (5.49% APR) among 7 credit unions we verify. Meridian Mutual Credit Union rates today: vehicle loans from 5.49% APR, personal loans from 3.99% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Meridian Mutual Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/mississippi/meridian-mutual" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Meridian Mutual Credit Union Rates: Vehicle 5.49%, Personal 3.99% ### Auto & vehicle rates 6 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan** auto_new | — APR | 3.990% | new | Standard | | **New Boat, Tractor, or Camper** boat_new | 5.490% APR | 5.490% | new | Standard | | **New Motorcycle, ATV/UTV, Watercraft, Golf Cart, or Lawn Mower** motorcycle_new | — APR | 5.490% | new | Standard | | **Used Auto Loan** auto_used | 5.490% APR | 5.490% | used | Standard | | **Used Motorcycle, ATV/UTV, Watercraft, Golf Cart, or Lawn Mower** motorcycle_used | — APR | 7.250% | used | Standard | | **Used Boat, Tractor, or Camper** boat_used | 7.250% APR | 7.250% | used | Standard | Meridian Mutual Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Share/Money Market Secured Loan** personal_secured | 3.990% APR | 4.000% | — | Standard | | **Signature Loan** personal_unsecured | — APR | 8.490% | — | Standard | Meridian Mutual Credit Union personal loan rates as of November 12, 2026 Vehicle loans available from 5.49% APR. Personal loan rates from 3.99% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/mississippi/meridian-mutual) , verified from [Meridian Mutual Credit Union's official website](https://meridianmutualfcu.com/) Best product position **#1 of 7** used-car loan Gap to state best **0 bp** State market leader Vs. state median **63 bp better than median** used-car loan Products ranked **2** across tracked Mississippi markets | Product | Published APR | Position | Vs. state best | Vs. state median | | used-car loan | 5.49% | #1 of 7 · lowest in Mississippi | State market leader | 63 bp better than median | | personal loan | 3.99% | #1 of 14 · lowest in Mississippi | State market leader | 401 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Meridian Mutual Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=meridian-mutual&state=mississippi&code=MS&name=Meridian%20Mutual%20Credit%20Union) Loading branch locator… ## About Meridian Mutual Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 7.6K Assets $70.6M Founded 1953 Locations reported 3 NCUA charter 8433 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Singing River** Meridian · Meridian · MS · 39301-1009 Branch in the same ZIP](https://rateapi.dev/credit-unions/mississippi/singing-river) [**1st Mississippi** Main Office · Meridian · MS · 39301 About 8.7 miles away](https://rateapi.dev/credit-unions/mississippi/1st-mississippi) [**Meridian Mississippi Ang** Main · Meridian · MS · 39307 About 9.9 miles away](https://rateapi.dev/credit-unions/mississippi/meridian-mississippi-ang) [**Navy Federal Credit Union** NAS Meridian MS · Meridian · MS · 39309 About 19.2 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Naheola** Butler · Butler · AL · 36904-2228 About 25.2 miles away](https://rateapi.dev/credit-unions/alabama/naheola) [**Sunbelt** Waynesboro · Waynesboro · MS · 39367 About 39.9 miles away](https://rateapi.dev/credit-unions/mississippi/sunbelt) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Meridian Mutual Credit Union Membership eligibility from Meridian Mutual Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Meridian Mutual Credit Union's website. Check the membership page below to confirm whether you qualify. - Location lauderdale — MS Verified from [Meridian Mutual Credit Union's membership page](https://meridianmutualfcu.com/membership) . Final membership determination is always made by the credit union. ## Membership rules for Meridian Mutual Credit Union Geography 1 county 4 published paths to membership, last verified November 8, 2026, quoted from Meridian Mutual Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified November 8, 2026 - Lauderdale County, MS “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Baldwin County, AL; Lauderdale County, MS” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Meridian Mutual Credit Union? Yes No ## Work at Meridian Mutual Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Meridian Mutual Credit Union ranks against Mississippi peers. - See which AI assistants fetched Meridian Mutual Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Mississippi - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=meridian-mutual&state=mississippi&code=MS&name=Meridian%20Mutual%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Meridian Mutual Credit Union offer? Meridian Mutual Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Meridian Mutual Credit Union rates updated? RateAPI verifies Meridian Mutual Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Meridian Mutual Credit Union's rate data? Rate data is collected directly from Meridian Mutual Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Meridian Mutual Credit Union's auto, boat & motorcycle loan rates? As of November 12, 2026, Meridian Mutual Credit Union offers vehicle loans from 5.49% APR. ### What is Meridian Mutual Credit Union's personal loan rate? As of November 12, 2026, Meridian Mutual Credit Union offers personal loans from 3.99% APR. ### Who can join Meridian Mutual Credit Union? Meridian Mutual Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 1 county for Meridian Mutual Credit Union, each quoted from Meridian Mutual Credit Union's own published membership criteria. ## Related Rate Data Compare Meridian Mutual Credit Union's rates against national credit-union benchmarks. [More Mississippi credit unions](https://rateapi.dev/credit-unions/mississippi) [Mississippi auto loan rate leaders](https://rateapi.dev/auto-loan-rates/mississippi) [Mississippi personal loan leaders](https://rateapi.dev/personal-loan-rates/mississippi) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://meridianmutualfcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Meridian Mutual Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Mississippi credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Meridian Mutual Credit Union curl "https://api.rateapi.dev/credit-unions/mississippi /meridian-mutual " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Meridian Mutual Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/mississippi/meridian-mutual Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp