Credit union · NCUA insured
Meridia Community Credit Union
A $141.3M credit union headquartered in Hamburg, NY, with 10,109 members and 3 branches in New York. Best rates: CDs 3.09% and savings 0.65% APY.
Meridia Community Credit Union Carrot Score
86
Carrot Score
Higher than 73% of U.S. banks and credit unions
#21 of 52 in Buffalo, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Meridia Community Credit Union
Meridia Community Credit Union is a member-owned, not-for-profit cooperative financial institution that has been operating since 1955.
- Headquarters
- 4500 Southwestern Blvd, Hamburg, NY 14075
- NCUA charter
- 10684
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or go to school in Erie County, Cattaraugus County, or Chautauqua County, New York are eligible to join Meridia Community Credit Union.
Family and household
- Family members of eligible individuals can join even if they live outside the membership area, including grandparents, parents, siblings (and their spouses), children, and grandchildren.
Cost to join
- There are no fees to join Meridia, but a $5 deposit is required to open an account.
Branches
3 branches in New York
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New York
3 branches
- Main OfficeMain office4500 Southwestern Blvd, Hamburg, NY 14075Directions
- Eden Branch8252 N Main St, Eden, NY 14057Directions
- Buffalo Street Office277 Buffalo St, Hamburg, NY 14075Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 16.36% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.27% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 2.31% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $86 | $76 | — |
- CapitalNet worth ratio16.36%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.27%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets2.31%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$86Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Meridia Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.