Credit union · NCUA insured
Meritrust Credit Union – Colorado CD Rates
Meritrust Credit Union – Colorado’s best CD rate is 4.00% APY on a 10-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Meritrust Credit Union – Colorado’s CD rates compare
Compared with banks and credit unions near Wichita, KS, where Meritrust Credit Union – Colorado has the most branches. $10,000, best rate first.
This credit union’s best
Meritrust Credit Union – Colorado
4.00%APY
- Term
- 10 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $332
10 Month Certificate
Top rate
Stryv Bank
4.55%APY
- Term
- 30 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $1,177
2nd-highest rate
Mid American Credit Union
4.50%APY
- Term
- 37 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $1,454
Meritrust Credit Union – Colorado CD score
82
CD score
Higher than 60% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.00%
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 Meritrust Credit Union – Colorado 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.
10 Month Certificate
4.00%APY · 1 term
Minimum balance to open of $500. Not available for IRA or Retirement accounts. Early withdrawal penalties may apply. Fees could reduce earnings. Fixed rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsLimited time offer. Not available for IRA or Retirement accounts. Early withdrawal penalties may apply. Fees could reduce earnings | 4.00% | $332 |
Sources (2)
All captured Oct 22, 2026
Share Certificate
3.50%APY · 7 terms
$500 minimum opening balance and minimum balance to earn APY. A penalty may be imposed for early withdrawal. Fees can reduce earnings. Fixed rate. Dividends compounded and credited monthly. Automatically renewable with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 12 months | 3.50% | $350 |
| 18 months | 3.50% | $530 |
| 24 months | 3.50% | $712 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.50% | $1,877 |
Sources (3)
- colorado.meritrust.org/wp-cont…026/10/Consumer_Rate.pdf
- colorado.meritrust.org/personal/rates
- colorado.meritrust.org/personal/savings/savings
All captured Oct 22, 2026
Special-purpose accounts
IRA Certificate
3.50%APY · 7 terms
$500 minimum opening balance and minimum balance to earn APY. A penalty may be imposed for early withdrawal (with exceptions for IRA distributions under certain conditions). Fees can reduce earnings. Fixed rate. Dividends compounded and credited monthly. Automatically renewable with a 10-day grace period. Traditional and Roth IRA wrappers supported.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 12 months | 3.50% | $350 |
| 18 months | 3.50% | $530 |
| 24 months | 3.50% | $712 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.50% | $1,877 |
Sources (2)
All captured Oct 22, 2026
Who can join Meritrust Credit Union – Colorado
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone not meeting other criteria can join through affiliation with Impact on Education (the primary charity for the Boulder Valley School District) with no additional action required.
Where you live or work
- Eligibility is open to individuals who live or work within Adams, Arapahoe, Broomfield, Boulder, Clear Creek, Delta, Denver, Douglas, Eagle, Elbert, El Paso, Garfield, Grand, Jefferson, Larimer, Mesa, Montrose, Pueblo, Summit, and Weld Counties.
Employers and groups
- Affiliation with one of over 750 partner companies and organizations qualifies for membership.
- Employees or family members of employees of IBM, Ball Corporation, Boulder Community Health, Lexmark, or Medtronic are eligible.
Military, government and schools
- Students, faculty, or staff of the Boulder Valley School District or Westminster Public Schools qualify for membership.
Family and household
- Anyone related to an existing Meritrust account holder is eligible for membership.
Cost to join
- A minimum deposit of $5 is required to establish a membership savings account.
Membership information collected October 4, 2026.