Credit union · NCUA insured
Meridia Community Credit Union Savings Rates
Meridia Community Credit Union’s best savings rate is 0.65% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Meridia Community Credit Union’s savings 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
0.65%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $65
Money Market Account
Top rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Meridia Community Credit Union savings score
82
Savings score
Higher than 59% of U.S. banks and credit unions
- $1,000 balance$1,0004.06%
- $10,000 balance$10,0000.65%
- $100,000 balance$100,0000.85%
- QualifiedQualified0.65%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Primary Savings
0.30%APY
Establishes membership with a $5 minimum deposit. Limited to one Primary Share per primary social security number (applied to the oldest account). Paid dividends based on a split rate tier structure and quarterly average daily balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Split rate tier structure: Tier 1 rate applies on balance up to $1,000. | 4.06% | — | Split rate tier structure: Tier 1 rate applies on balance up to $1,000. |
| $1,000 and upSplit rate tier structure: Balances above $1,000 earn Regular Savings Rate. | 0.30% | $30 | Split rate tier structure: Balances above $1,000 earn Regular Savings Rate. |
Sources (1)
- meridiacu.com/primary-share · captured Oct 5, 2026
Money Market Account
0.65%APY
Dividends posted monthly if average daily balance is over $1,000. 3 free withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $25,000Monthly fee of $7.50 applies if balance is under $1,000. Excessive withdrawal fee of $3 each after 3 free withdrawals per month. | 0.65% | $65 | Monthly fee of $7.50 applies if balance is under $1,000. Excessive withdrawal fee of $3 each after 3 free withdrawals per month. |
| $25,000 – $50,000Monthly fee of $7.50 applies if balance is under $1,000. Excessive withdrawal fee of $3 each after 3 free withdrawals per month. | 0.70% | — | Monthly fee of $7.50 applies if balance is under $1,000. Excessive withdrawal fee of $3 each after 3 free withdrawals per month. |
| $50,000 – $75,000Monthly fee of $7.50 applies if balance is under $1,000. Excessive withdrawal fee of $3 each after 3 free withdrawals per month. | 0.80% | — | Monthly fee of $7.50 applies if balance is under $1,000. Excessive withdrawal fee of $3 each after 3 free withdrawals per month. |
| $75,000 and upMonthly fee of $7.50 applies if balance is under $1,000. Excessive withdrawal fee of $3 each after 3 free withdrawals per month. | 0.85% | — | Monthly fee of $7.50 applies if balance is under $1,000. Excessive withdrawal fee of $3 each after 3 free withdrawals per month. |
Sources (1)
- meridiacu.com/regular-savings/money-market-account · captured Oct 16, 2026
Regular Savings
0.30%APY
Minimum balance is $5.00 for Regular Shares to establish membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMinimum Balance is $5.00 for Regular Shares. Balances $1 and greater earn dividends starting with the first dollar.$1 and up | 0.30% | $30 | Minimum Balance is $5.00 for Regular Shares. Balances $1 and greater earn dividends starting with the first dollar. |
Sources (1)
- meridiacu.com/regular-savings · captured Oct 5, 2026
U-Name-It Savings
0.30%APY
Goal-based secondary savings account with no minimum deposit to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upBalances $1 and greater earn dividends.$1 and up | 0.30% | $30 | Balances $1 and greater earn dividends. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Accounts
1.46%APY
Quarterly fee of $5 if balance is under $500. Account closure fee of $25 applies.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 – $25,000 | 1.46% | $146 |
| $25,000 – $50,000 | 1.46% | — |
| $50,000 – $75,000 | 1.66% | — |
| $75,000 and up | 1.76% | — |
Sources (1)
- meridiacu.com/regular-savings/ira-accounts · captured Oct 5, 2026
Bright Start Account
0.30%APY
Recommended for kids ages 0-17 years. Paid dividends based on a split rate tier structure and average daily balance for the quarter. 20% penalty fee applies on withdrawal if balance is below $1,500 (can be waived at management discretion).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Split rate tier structure: Tier 1 rate applies on balances $1-$2,500. | 1.05% | — | Split rate tier structure: Tier 1 rate applies on balances $1-$2,500. |
| $2,500 and upSplit rate tier structure: Balances above $2,500 earn Regular Savings Rate. | 0.30% | $30 | Split rate tier structure: Balances above $2,500 earn Regular Savings Rate. |
Sources (1)
- meridiacu.com/regular-savings/youth-savings · captured Oct 5, 2026
Club Savings Accounts
0.30%APY
Includes New Year's Resolution Savings (disburses January 1st), Spring Break Savings (disburses April 1st), Summer Savings (disburses July 1st), and Holiday Savings (disburses October 1st). Early withdrawal or early closure fee of $10 applies if made prior to disbursement date.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upNo Minimum Balance. Dividends paid quarterly on average daily balances of $1 or more. Withdrawal fees apply if withdrawals are made prior to the club disbursement date.$1 and up | 0.30% | $30 | No Minimum Balance. Dividends paid quarterly on average daily balances of $1 or more. Withdrawal fees apply if withdrawals are made prior to the club disbursement date. |
Sources (1)
- meridiacu.com/regular-savings/…iday-club-summer-savings · 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.