Credit union · NCUA insured
Meridian Credit Union Savings Rates
Meridian Credit Union’s best savings rate is 0.10% APY on $10,000, with its Primary Savings. Rates checked October 16, 2026.
How Meridian Credit Union’s savings 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
0.10%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $10
Primary Savings
Top rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
2nd-highest rate
Iowa State Bank
2.02%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $202
Meridian Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 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
0.10%APY
Required account to establish credit union membership. Earn dividends on balances of $25 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upEarn dividends on balances of $25 or more$25 and up | 0.10% | $10 | Earn dividends on balances of $25 or more |
Sources (1)
- mymeridiancu.org/accounts/savings · captured Oct 16, 2026
Secondary Savings
0.10%APY
No minimum deposit to open. Earn dividends on balances of $5 or more. Ability to customize account name.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upEarn dividends on balances of $5 or more$5 and up | 0.10% | $10 | Earn dividends on balances of $5 or more |
Sources (1)
- mymeridiancu.org/accounts/savings · captured Oct 16, 2026
Special-purpose accounts
Roth IRA Savings
0.50%APY
No minimum deposit to open. Earn dividends on balances of $5 or more. Early withdrawal penalty may apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upEarn dividends on balances of $5 or more$5 and up | 0.50% | $50 | Earn dividends on balances of $5 or more |
Traditional IRA Savings
0.50%APY
No minimum deposit to open. Earn dividends on balances of $5 or more. Early withdrawal penalty may apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upEarn dividends on balances of $5 or more$5 and up | 0.50% | $50 | Earn dividends on balances of $5 or more |
Teen Savings
0.20%APY
Ages 13-17. Automatic transfer to Primary Share Savings at age 18. Eligible to open Checking Account. Earn dividends on balances of $25 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upAges 13-17; earn dividends on balances of $25 or more$25 and up | 0.20% | $20 | Ages 13-17; earn dividends on balances of $25 or more |
Sources (1)
- mymeridiancu.org/accounts/savings · captured Oct 16, 2026
Youth Savings
0.20%APY
Ages 0-12. Automatic transfer to MCU Teen Savings Account at age 13. Earn dividends on balances of $25 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upAges 0-12; earn dividends on balances of $25 or more$25 and up | 0.20% | $20 | Ages 0-12; earn dividends on balances of $25 or more |
Sources (1)
- mymeridiancu.org/accounts/savings · captured Oct 16, 2026
Christmas Club
0.10%APY
No minimum deposit to open. Funds automatically transferred to Primary Share Account in November. Early withdrawal penalty may apply. Earn dividends on balances of $25 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upEarn dividends on balances of $25 or more$25 and up | 0.10% | $10 | Earn dividends on balances of $25 or more |
Sources (1)
- mymeridiancu.org/accounts/savings · 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.