--- title: "Meridian Trust Credit Union Rates (Nov 2026): CDs to 4.00%" description: "Meridian Trust Credit Union rates today: savings & CDs up to 4.00% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Meridian Trust Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/wyoming/meridian-trust" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Meridian Trust Credit Union Rates (Nov 2026): CDs to 4.00% ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Construction Loans (Term ≤12 months)** other | — APR | 7.250% | — | Standard | Meridian Trust Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 9 offers | Product | Published | Rate | Term / condition | Status | | **Vehicle Loan Type Vehicles 2025-2026** auto | — APR | 4.740% | — | Standard | | **Vehicle Loan Type Vehicles 2018-2024** auto | — APR | 5.990% | — | Standard | | **Vehicle Loan Type Powersports 2025-2026** auto | — APR | 6.240% | — | Standard | | **Vehicle Loan Type Recreational Vehicles 2025-2026** rv | — APR | 6.500% | — | Standard | | **Vehicle Loan Type Vehicles 2017 and Older** auto_used | — APR | 6.990% | used | Standard | | **Vehicle Loan Type Recreational Vehicles 2018-2024** rv | — APR | 7.000% | — | Standard | | **Vehicle Loan Type Powersports 2018-2024** auto | — APR | 7.240% | — | Standard | | **Vehicle Loan Type Powersports 2017 and Older** auto_used | — APR | 7.990% | used | Standard | | **Vehicle Loan Type Recreational Vehicles 2017 and Older** rv_used | — APR | 8.250% | used | Standard | Meridian Trust Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Loan Type Fixed Rate HELOC** heloc_fixed | — APR | 6.750% | — | Standard | | **Loan Type Variable Rate HELOC** heloc_variable | — APR | 6.750% | — | Standard | Meridian Trust Credit Union heloc rates as of November 12, 2026 ### Savings & CD rates 42 offers | Product | Published | Rate | Term / condition | Status | | **Balance $0 - $2,499** savings | 0.05% APY | 0.05% | — | Standard | | **Minimum Balance to earn APY* $100** savings | 0.05% APY | 0.05% | — | Standard | | **Balance $10,000.01+** savings | 0.10% APY | 0.10% | — | Context only | | **Balance $2,500 - $9,999** savings | 0.25% APY | 0.25% | — | Standard | | **Balance $10,000 - $24,999** savings | 0.30% APY | 0.30% | — | Standard | | **Balance $25,000 - $49,999** savings | 0.35% APY | 0.35% | — | Standard | | **Balance $50,000 - $99,999** savings | 0.40% APY | 0.40% | — | Standard | | **Balance $5,000.01 - $10,000.00** savings | — APY | 0.50% | — | Context only | | **Balance $0 - $999.99** savings | 0.50% APY | 0.50% | — | Standard | | **Balance $1,000 -$9,999.99** savings | 0.75% APY | 0.75% | — | Standard | | **Balance $100,000 - $149,999** savings | 1.00% APY | 0.99% | — | Standard | | **Balance $10,000 - $49,999.99** savings | 1.01% APY | 1.00% | — | Standard | | **Balance $50,000 - $149,999.99** savings | 1.26% APY | 1.25% | — | Standard | | **Balance $150,000+** savings | 1.57% APY | 1.56% | — | Standard | | **Balance $150,000+** savings | 2.00% APY | 1.98% | — | Standard | | **30-Month Certificate** cd_30mo | — APY | 3.06% | 30 mo | Standard | | **30-Month IRA Certificate** ira_cd_30mo | 3.10% APY | 3.06% | 30 mo | Standard | | **Business Certificates (Term 30 months)** cd_30mo | 3.10% APY | 3.06% | 30 mo | Eligibility restricted | | **18-Month Certificate** cd_18mo | — APY | 3.15% | 18 mo | Standard | | **18-Month IRA Certificate** ira_cd_18mo | 3.20% APY | 3.15% | 18 mo | Standard | | **Business Certificates (Term 18 months)** cd_18mo | 3.20% APY | 3.15% | 18 mo | Eligibility restricted | | **24-Month Certificate** cd_24mo | — APY | 3.20% | 24 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | 3.25% APY | 3.20% | 24 mo | Standard | | **Business Certificates (Term 24 months)** cd_24mo | 3.25% APY | 3.20% | 24 mo | Eligibility restricted | | **12-Month Certificate** cd_12mo | — APY | 3.25% | 12 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.25% | 36 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | 3.30% APY | 3.25% | 36 mo | Standard | | **Business Certificates (Term 36 months)** cd_36mo | 3.30% APY | 3.25% | 36 mo | Eligibility restricted | | **48-Month Certificate** cd_48mo | — APY | 3.30% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 3.35% | 60 mo | Standard | | **Business Certificates (Term 48 months)** cd_48mo | 3.35% APY | 3.30% | 48 mo | Eligibility restricted | | **48-Month IRA Certificate** ira_cd_48mo | 3.35% APY | 3.30% | 48 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.40% | 6 mo | Standard | | **60-Month IRA Certificate** ira_cd_60mo | 3.40% APY | 3.35% | 60 mo | Standard | | **Business Certificates (Term 60 months)** cd_60mo | 3.40% APY | 3.35% | 60 mo | Eligibility restricted | | **Business Certificates (Term 12 months)** cd_12mo | 3.50% APY | 3.25% | 12 mo | Eligibility restricted | | **12-Month IRA Certificate** ira_cd_12mo | 3.50% APY | 3.25% | 12 mo | Standard | | **Business Certificates (Term 6 months)** cd_6mo | 3.55% APY | 3.40% | 6 mo | Eligibility restricted | | **6-Month IRA Certificate** ira_cd_6mo | 3.55% APY | 3.40% | 6 mo | Standard | | **Balance $2,000.01 - $5,000.00** savings | 3.90% APY | 2.47% | — | Context only | | **Meet MaxRewards criteria? Yes** savings | 4.00% APY | 3.93% | — | Standard | | **Balance $0.00 - $2,000.00** savings | 6.00% APY | 5.84% | — | Context only | Meridian Trust Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Business Loans (Term ≤60 months)** business_60mo | — % | 7.000% | — | Standard | Meridian Trust Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 4.00% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/wyoming/meridian-trust) , verified from [Meridian Trust Credit Union's official website](https://mymeridiantrust.com/) Loading branch locator… ## About Meridian Trust Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 43.7K Assets $727.8M Founded 1954 Locations reported 9 NCUA charter 9160 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Payday Alternative Loans I 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. [**Blue** F.E. Warren Air Force Base Branch · Cheyenne · WY · 82005 About 5.3 miles away](https://rateapi.dev/credit-unions/wyoming/blue) [**Western Vista** City Center Building · Cheyenne · WY · 82001 About 5.9 miles away](https://rateapi.dev/credit-unions/wyoming/western-vista) [**Nuvision** Cheyenne (18th Street Branch) · Cheyenne · WY · 82001-4616 About 6.4 miles away](https://rateapi.dev/credit-unions/california/nuvision) [**Uniwyo** Cheyenne Branch · Cheyenne · WY · 82009-4736 About 6.9 miles away](https://rateapi.dev/credit-unions/wyoming/uniwyo) [**First Education** First Education Federal Credit Union · Cheyenne · WY · 82009 About 7.0 miles away](https://rateapi.dev/credit-unions/wyoming/first-education) [**Cheyenne-Laramie County Employees** Cheyenne-Laramie County Employees Federal Credit Union · Cheyenne · WY · 82009-7301 About 7.5 miles away](https://rateapi.dev/credit-unions/wyoming/cheyenne-laramie-county-employees) 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 Trust Credit Union Membership eligibility from Meridian Trust Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Meridian Trust Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer State of Wyoming, University of Wyoming, Wyoming Department of Transportation, Wyoming Public Schools and School District, BNSF railroad, Box Butte General Hospital, Panhandle Cooperative, Yellowstone National Park Service, Xanterra Yellowstone, U.S. Postal Service, Gardiner Subway, Poudre School District Verified from [Meridian Trust Credit Union's membership page](https://mymeridiantrust.com/open-an-account/) . Final membership determination is always made by the credit union. ## Membership rules for Meridian Trust Credit Union Employers 20 · Military · Family 22 published paths to membership, last verified August 21, 2026, quoted from Meridian Trust Credit Union’s own published criteria. ### Employers 20 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of State of Wyoming “State of Wyoming employees and retirees” > [source ↗](https://mymeridiantrust.com/open-an-account/) - Employee of State of Wyoming - Retired employee of State of Wyoming “State of Wyoming employees and retirees” > [source ↗](https://mymeridiantrust.com/open-an-account/) - Retiree of State of Wyoming - Employee of University of Wyoming “University of Wyoming employees and retirees” > [source ↗](https://mymeridiantrust.com/open-an-account/) - Employee of University of Wyoming - Retired employee of University of Wyoming “University of Wyoming employees and retirees” > [source ↗](https://mymeridiantrust.com/open-an-account/) - Retiree of University of Wyoming - Employee of Wyoming Department of Transportation “Wyoming Department of Transportation employees and retirees” > [source ↗](https://mymeridiantrust.com/open-an-account/) - Employee of Wyoming Department of Transportation - Retired employee of Wyoming Department of Transportation “Wyoming Department of Transportation employees and retirees” > [source ↗](https://mymeridiantrust.com/open-an-account/) - Retiree of Wyoming Department of Transportation - Employee of Wyoming Public Schools and School District “Wyoming Public Schools and School District employees and retirees” > [source ↗](https://mymeridiantrust.com/open-an-account/) - Employee of Wyoming Public Schools and School District - Retired employee of Wyoming Public Schools and School District “Wyoming Public Schools and School District employees and retirees” > [source ↗](https://mymeridiantrust.com/open-an-account/) - Retiree of Wyoming Public Schools and School District - Employee of BNSF Railroad “In Alliance, Nebraska : You or a family member works for or is retired from: BNSF railroad, Box Butte General Hospital, Panhandle Cooperative.” > [source ↗](https://mymeridiantrust.com/open-an-account/) - Employee of BNSF Railroad - Retired employee of BNSF Railroad “In Alliance, Nebraska : You or a family member works for or is retired from: BNSF railroad, Box Butte General Hospital, Panhandle Cooperative.” > [source ↗](https://mymeridiantrust.com/open-an-account/) - Retiree of BNSF Railroad - Employee of Box Butte General Hospital “In Alliance, Nebraska : You or a family member works for or is retired from: BNSF railroad, Box Butte General Hospital, Panhandle Cooperative.” > [source ↗](https://mymeridiantrust.com/open-an-account/) - Employee of Box Butte General Hospital - Retired employee of Box Butte General Hospital “In Alliance, Nebraska : You or a family member works for or is retired from: BNSF railroad, Box Butte General Hospital, Panhandle Cooperative.” > [source ↗](https://mymeridiantrust.com/open-an-account/) - Retiree of Box Butte General Hospital - Employee of Panhandle Cooperative “In Alliance, Nebraska : You or a family member works for or is retired from: BNSF railroad, Box Butte General Hospital, Panhandle Cooperative.” > [source ↗](https://mymeridiantrust.com/open-an-account/) - Employee of Panhandle Cooperative - Retired employee of Panhandle Cooperative “In Alliance, Nebraska : You or a family member works for or is retired from: BNSF railroad, Box Butte General Hospital, Panhandle Cooperative.” > [source ↗](https://mymeridiantrust.com/open-an-account/) - Retiree of Panhandle Cooperative - Employee of Yellowstone National Park Service “Yellowstone National Park Service” > [source ↗](https://mymeridiantrust.com/open-an-account/) - Employee of Yellowstone National Park Service - Employee of Xanterra Yellowstone “Xanterra Yellowstone” > [source ↗](https://mymeridiantrust.com/open-an-account/) - Employee of Xanterra Yellowstone - Employee of Gardiner Subway “Gardiner Subway” > [source ↗](https://mymeridiantrust.com/open-an-account/) - Employee of Gardiner Subway - Employee of Poudre School District “Poudre School District employees and retirees” > [source ↗](https://mymeridiantrust.com/open-an-account/) - Employee of Poudre School District - Retired employee of Poudre School District “Poudre School District employees and retirees” > [source ↗](https://mymeridiantrust.com/open-an-account/) - Retiree of Poudre School District - Employee of United States Postal Service “U.S. Postal Service” > [source ↗](https://mymeridiantrust.com/open-an-account/) - Employee of United States Postal Service ### Military 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Military affiliation “if you are active or retired military” > [source ↗](https://mymeridiantrust.com/open-an-account/) - Military: active or retired military ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate family member “You can join if you have an immediate family member with an account” > [source ↗](https://mymeridiantrust.com/open-an-account/) - Family member (immediate family member) of a member 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 Trust Credit Union? Yes No ## Work at Meridian Trust 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 Trust Credit Union ranks against Wyoming peers. - See which AI assistants fetched Meridian Trust Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Wyoming - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=meridian-trust&state=wyoming&code=WY&name=Meridian%20Trust%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Meridian Trust Credit Union offer? Meridian Trust Credit Union currently offers mortgage, vehicle loan, and HELOC 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 Trust Credit Union rates updated? RateAPI verifies Meridian Trust 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 Trust Credit Union's rate data? Rate data is collected directly from Meridian Trust Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Meridian Trust Credit Union's best CD rate? As of November 12, 2026, Meridian Trust Credit Union offers savings and certificate (CD) yields up to 4.00% APY. ### Who can join Meridian Trust Credit Union? Meridian Trust Credit Union publishes its membership criteria on its own website. RateAPI tracks 22 published membership paths covering 20 employers and 1 military for Meridian Trust Credit Union, each quoted from Meridian Trust Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Meridian Trust Credit Union's rates against national credit-union benchmarks. [More Wyoming credit unions](https://rateapi.dev/credit-unions/wyoming) [Wyoming mortgage rate leaders](https://rateapi.dev/mortgage-rates/wyoming) [Wyoming auto loan rate leaders](https://rateapi.dev/auto-loan-rates/wyoming) [Wyoming HELOC rate leaders](https://rateapi.dev/heloc-rates/wyoming) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [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://mymeridiantrust.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 Trust Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Wyoming 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 Trust Credit Union curl "https://api.rateapi.dev/credit-unions/wyoming /meridian-trust " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Meridian Trust Credit Union locations Search, filter, and browse all 9 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/wyoming/meridian-trust Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp