Credit union · NCUA insured
Meridia Community Credit Union CD Rates
Meridia Community Credit Union’s best CD rate is 3.09% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Meridia Community Credit Union’s CD rates compare
Compared with banks and credit unions near Buffalo, NY, where Meridia Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Meridia Community Credit Union
3.09%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $153
Term Share Certificates
Top rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
2nd-highest rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Meridia Community Credit Union CD score
63
CD score
Higher than 10% of U.S. banks and credit unions
- 3–8 months3–8 mo3.09%
- 9–15 months9–15 mo1.97%
- 16–30 months16–30 mo1.16%
- 31–60 months31–60 mo1.00%
- QualifiedQualified3.09%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Meridia Community Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Share Certificates
Up to 3.09%APY · 7 terms
Minimum opening deposit is $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.09% | $153 |
| 12 months | 1.97% | $197 |
| 18 months | 1.16% | $175 |
| 24 months | 1.05% | $211 |
| 36 months | 1.00% | $303 |
| 48 months | 0.97% | $394 |
| 60 months | 0.95% | $484 |
Sources (1)
- meridiacu.com/regular-savings/term-share-certificates · captured Oct 5, 2026
Special-purpose accounts
IRA Term Share Accounts
Up to 1.97%APY · 2 terms
Minimum opening deposit is $500.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.97% | $197 |
| 18 months | 1.16% | $175 |
Sources (1)
- meridiacu.com/regular-savings/ira-accounts · captured Oct 5, 2026
Who can join Meridia Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.