Credit union · NCUA insured
Meridian Credit Union CD Rates
Meridian Credit Union’s best CD rate is 3.50% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Meridian Credit Union’s CD rates compare
Compared with banks and credit unions near Ottumwa, IA, where Meridian Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Meridian Credit Union
3.50%APY
- Term
- 60 months
- Minimum
- $10,000
- Earns on $10,000
- $1,877
Certificate of Deposit
Top rate
Empeople Credit Union
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
2nd-highest rate
South Ottumwa Savings Bank
4.31%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $468
Meridian Credit Union CD score
73
CD score
Higher than 33% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo2.25%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.50%
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 Meridian 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.
Certificate of Deposit
Up to 3.50%APY · 5 terms
Minimum deposit of $500 to open Flexible terms from six months to five years Earn dividends on balances of $500 or more Early withdrawal penalty may apply Federally insured through NCUA up to $250,000 View Rates
| Term | APY · $500 and up | APY · $1,000 and up | APY · $10,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months | — | 2.00% | — | — | 2.00% | $100 |
| 9 months | 2.20% | — | — | — | 2.20% | $165 |
| 12 months | — | 2.25% | — | 2.75% | 2.25%2.75% from $25k | $225 |
| 24 months | — | 2.90% | 3.25% | — | 2.90%3.25% from $10k | $588 |
| 60 months | — | — | 3.50% | — | 3.50% | $1,877 |
Sources (2)
All captured Oct 16, 2026
Who can join Meridian Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to individuals who live or work in Appanoose, Davis, Jefferson, Keokuk, Mahaska, Monroe, Van Buren, or Wapello County in Iowa.
Family and household
- Open to individuals who have an immediate family member who is already a Meridian Credit Union member.
Cost to join
- Requires an initial deposit to establish a membership account (amount unspecified).
Membership information collected October 4, 2026.