Credit union · NCUA insured
Meridian Trust Federal Credit Union Savings Rates
Meridian Trust Federal Credit Union’s best savings rate is 0.30% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Meridian Trust Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Cheyenne, WY, where Meridian Trust Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Meridian Trust Federal Credit Union
0.30%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $30
Money Market Account
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Meridian Trust Federal Credit Union savings score
80
Savings score
Higher than 53% of U.S. banks and credit unions
- $1,000 balance$1,0006.00%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.50%
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 Trust Federal 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.
Momentum Money Market
Up to 0.50%APY
Limit one Momentum Money Market Account per primary Social Security Number. Credit Union membership required. APY applies only to the portion of the account balance within each tier resulting in a Blended APY.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $2,000Rate applies to first $2,000 of balance. Split-rate / tier-portion APY. · $0 to open | 6.00% | $0 | — | Rate applies to first $2,000 of balance. Split-rate / tier-portion APY. |
| $2,000 – $5,000Rate applies to portion of balance between $2,000.01 and $5,000. · Unknown to open | 2.50% | Unknown | — | Rate applies to portion of balance between $2,000.01 and $5,000. |
| $5,000 – $10,000Rate applies to portion of balance between $5,000.01 and $10,000. · Unknown to open | 0.50% | Unknown | $50 | Rate applies to portion of balance between $5,000.01 and $10,000. |
| $10,000 and upRate applies to portion of balance $10,000 and above. · Unknown to open | 0.10% | Unknown | $10 | Rate applies to portion of balance $10,000 and above. |
Sources (1)
- mymeridiantrust.com/personal/c…gs/momentum-money-market · captured Sep 16, 2026
Money Market Account
0.30%APY
Tiered Rate account: dividend rate applicable to a tier applies to the full balance in the account. Membership required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.05% | — |
| $2,500 – $9,999 | 0.25% | — |
| $10,000 – $24,999 | 0.30% | $30 |
| $25,000 – $49,999 | 0.35% | — |
| $50,000 – $99,999 | 0.40% | — |
| $100,000 – $149,999 | 1.00% | — |
| $150,000 and up | 2.00% | — |
Sources (1)
- mymeridiantrust.com/personal/c…avings/certificates-iras · captured Sep 16, 2026
Primary Savings
0.05%APY
Credit union membership required. Fees could reduce earnings on the account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn APY is $100.$100 and up | 0.05% | $5 | Minimum balance to earn APY is $100. |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Steady Savers Club
0.05%APY
Tiered Rate account where the specified dividend rate applies only to the portion of the balance within that tier. To be eligible for Steady Savers APY, account holder must make deposit(s) or balance transfer(s) totaling $50 or more each month into the Steady Savers Club account. No monthly fees. Credit union membership required. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,500Tier applies to portion of balance up to $1,500. Minimum balance to earn APY is $100. Must make deposit(s) or balance transfer(s) totaling $50 or more each month. | 2.50% | — | Tier applies to portion of balance up to $1,500. Minimum balance to earn APY is $100. Must make deposit(s) or balance transfer(s) totaling $50 or more each month. |
| $100 and upTier applies to portion of balance over $1,500. Minimum balance to earn APY is $100. Must make deposit(s) or balance transfer(s) totaling $50 or more each month. | 0.05% | $5 | Tier applies to portion of balance over $1,500. Minimum balance to earn APY is $100. Must make deposit(s) or balance transfer(s) totaling $50 or more each month. |
Sources (3)
- mymeridiantrust.com/personal/c…king-and-savings/savings
- mymeridiantrust.com/personal/c…vings/steady-savers-club
- mymeridiantrust.com/rates
All captured Oct 15, 2026
IRA Money Market Account
0.30%APY
Tiered Rate account: dividend rate applicable to a tier applies to the full balance in the account. Membership required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.05% | — |
| $2,500 – $9,999 | 0.25% | — |
| $10,000 – $24,999 | 0.30% | $30 |
| $25,000 – $49,999 | 0.35% | — |
| $50,000 – $99,999 | 0.40% | — |
| $100,000 – $149,999 | 1.00% | — |
| $150,000 and up | 2.00% | — |
Sources (1)
- mymeridiantrust.com/personal/c…avings/certificates-iras · captured Sep 16, 2026
CU Rising Savings Account / Claim Your Youth Savings Account
0.05%APY
For teens ages 13–17. At age 18, funds automatically transfer into a regular Savings Account. No monthly fees. Credit union membership required. Fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn APY is $100.$100 and up | 0.05% | $5 | Minimum balance to earn APY is $100. |
Sources (2)
All captured Oct 15, 2026
Health Savings Account (HSA)
0.05%APY
Must be enrolled in a qualified High Deductible Health Plan (HDHP). No monthly or annual fee. Penalty may be imposed for early withdrawal. Membership required. Fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn APY is $100.$100 and up | 0.05% | $5 | Minimum balance to earn APY is $100. |
Sources (2)
All captured Oct 15, 2026
Kirby Kangaroo Club Kids Savings Program
0.05%APY
For kids ages 12 and under. When account owner reaches 13 years of age, funds and features automatically transition to CU Rising / Claim Your Youth Savings Account. No monthly fees. Credit union membership required. Fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn APY is $100.$100 and up | 0.05% | $5 | Minimum balance to earn APY is $100. |
Sources (2)
All captured Oct 15, 2026
Who can join Meridian Trust Federal 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 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.
Membership information collected October 4, 2026.