Credit union · NCUA insured
Meridian Trust Federal Credit Union
A $727.8M credit union headquartered in Cheyenne, WY, with 43,655 members and 9 branches in 3 states. Best rates: CDs 3.55% and savings 0.30% APY.
Meridian Trust Federal Credit Union Carrot Score
79
Carrot Score
Higher than 48% of U.S. banks and credit unions
#3 of 16 in Cheyenne, WY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Meridian Trust Federal Credit Union
Meridian Trust Federal Credit Union was chartered in Cheyenne, Wyoming, in 1954 and was originally known as Wyoming Employees Federal Credit Union.
The member-owned financial cooperative operates branch locations across Wyoming, Colorado, and Nebraska.
- Headquarters
- 4349 E Lincolnway, Cheyenne, WY 82001
- NCUA charter
- 9160
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This may be incomplete or out of date, so check with the credit union before you apply.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 attend school in Cheyenne, Wyoming Census Tracts 2, 3, 4.02, 7, 10, and 11 are eligible for membership.
- Individuals who live, work, worship, or attend school in Box Butte or Scotts Bluff County, Nebraska, or have a family member who does, are eligible for membership.
- Individuals who live, work, worship, or attend school in Carbon, Fremont, Sweetwater, or Uinta County, Wyoming, or have a family member who does, are eligible for membership.
Employers and groups
- Individuals who work for or are retired from BNSF railroad, Box Butte General Hospital, or Panhandle Cooperative in Alliance, Nebraska, or have a qualifying family member, are eligible for membership.
- Employees, retirees, and eligible members/volunteers of participating Select Employee Groups (SEGs) are eligible for membership.
- In Wellington, Colorado, eligibility extends to Poudre School District staff/retirees, residents of nearby HOAs, and employees/retirees/residents associated with the Wellington Area Chamber of Commerce or Main Streets Program.
3 more ways to join
Military, government and schools
- Active or retired military personnel are eligible for membership.
- Employees and retirees of the State of Wyoming, University of Wyoming, Wyoming Department of Transportation, or Wyoming Public Schools and School Districts are eligible for membership.
Family and household
- Individuals with an immediate family member who has an account are eligible for membership.
Branches
9 branches in 3 states
Loading map…
Wyoming
6 branches
Cheyenne area · 3
- Meridian-EastMain office4349 E Lincolnway, Cheyenne, WY 82001Directions
- Meridian-Main2223 Warren Ave, Cheyenne, WY 82001Directions
- Meridian-North1602 Prairie Ave, Cheyenne, WY 82009Directions
Jackson area · 1
- Meridian - Jackson740 S US Highway 89, Jackson, WY 83001Directions
Riverton area · 1
- Meridian-Lander873 Main St, Lander, WY 82520Directions
Rawlins area · 1
- Meridian-Rawlins1817 Mahoney St, Rawlins, WY 82301Directions
Nebraska
2 branches
Alliance area · 1
- Meridian - Alliance103 E 1st St, Alliance, NE 69301Directions
Scottsbluff area · 1
- Meridian - Scottsbluff901 W 29th St, Scottsbluff, NE 69361Directions
Colorado
1 branch
- Meridian-Wellington8205 Wellington Blvd, Wellington, CO 80549Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.92% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.82% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.96% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $85 | $76 | — |
- CapitalNet worth ratio12.92%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.82%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.96%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$85Peers’ 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 Meridian Trust Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.