Credit union · NCUA insured
Meritrust Credit Union – Colorado Savings Rates
Meritrust Credit Union – Colorado’s best savings rate is 0.10% APY on $10,000, with its High Yield Savings Account. Rates checked October 22, 2026.
How Meritrust Credit Union – Colorado’s savings 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
3.50%APY
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000 a year
- $350
Premium High Yield Savings Account
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Capitol Federal
3.70%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $370
Meritrust Credit Union – Colorado savings score
81
Savings score
Higher than 55% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0003.04%
- 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 Meritrust Credit Union – Colorado 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.
Premium High Yield Savings Account
3.50%APY
Exclusive to members with Premium Perks Checking accounts. The Premium High Yield Savings Account must be titled under the same tax reported owner as the Premium Perks Checking Account. If you close your Premium Perks Checking Account or change to a different checking account type, the savings account will be closed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 and up$5,000.00 minimum balance to open and to earn the advertised APY. Requires open Premium Perks Checking Account.$5,000 and up | 3.50% | $350 | $5,000.00 minimum balance to open and to earn the advertised APY. Requires open Premium Perks Checking Account. |
High Yield Savings Account
0.10%APY
Tiered rate account. Dividend rate is based on U.S. Prime rate (index) as published in the Wall Street Journal. For balances $15,000 and greater, dividend rate will be no less than index minus 4.00%. In no case will account dividend rate be less than 0.10%. If average daily balance falls within range for a particular tier, dividend rate applicable to that tier applies to full balance in account. No fees or penalties.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $15,000Tier $0 - $14,999.99. Minimum Opening Balance: None. Minimum Balance to Earn APY: None. · $0 to open | 0.10% | $0 | $10 | Tier $0 - $14,999.99. Minimum Opening Balance: None. Minimum Balance to Earn APY: None. |
| $15,000 and upTier $15,000+. Minimum Opening Balance: $15,000. Minimum Balance to Earn APY: $15,000. · $15,000 to open | 3.04% | $15,000 | — | Tier $15,000+. Minimum Opening Balance: $15,000. Minimum Balance to Earn APY: $15,000. |
Sources (3)
- colorado.meritrust.org/personal/rates
- colorado.meritrust.org/personal/savings/savings
- colorado.meritrust.org/Consumer_Rate
All captured Oct 4, 2026
Membership Share Primary Savings
0.05%APY
Required membership account that qualifies you to take advantage of all other products and services. Includes Youth Accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum opening balance $5.00. Minimum Balance to Earn APY: None.Any balance | 0.05% | $5 | Minimum opening balance $5.00. Minimum Balance to Earn APY: None. |
Sources (3)
- colorado.meritrust.org/personal/rates
- colorado.meritrust.org/personal/savings/savings
- colorado.meritrust.org/Consumer_Rate
All captured Oct 4, 2026
Special-purpose accounts
Jumbo Money Market Incl. Share & IRA
Up to 2.25%APY
Tiered Rate account. If the average daily balance falls within the range for a particular tier, the dividend rate applicable to that tier will apply to the full balance in the account. If the average daily balance falls below $100,000 during the statement cycle, dividends will not be paid. Dividends are calculated using the Average Daily Balance method.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100,000 – $250,000 | 2.00% | — |
| $250,000 and up | 2.25% | — |
Sources (1)
- colorado.meritrust.org/Consumer_Rate · captured Oct 4, 2026
Money Market Including Share & IRA
0.80%APY on $10,000
Tiered Rate Account. The specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limited to one account per primary Social Security Number. Dividends calculated using the Daily Balance method.
| Part of the balance | Rate on that part |
|---|---|
| Up to $2,000 | 3.93% |
| $10,000 – $50,000 | 0.25% |
| $50,000 – $100,000 | 0.50% |
| $100,000 – $250,000 | 0.75% |
| Over $250,000 | 1.00% |
On $10,000 the tiers blend to about 0.80% APY, earning $80 a year.
Sources (1)
- colorado.meritrust.org/Consumer_Rate · captured Oct 4, 2026
Health Savings Account (HSA)
0.50%APY
Credit Union Membership Required. No minimum balance to open & no monthly fees. Includes free HSA Visa Debit Card.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to open and no monthly fees. Minimum Balance to Earn APY: None.Any balance | 0.50% | $50 | No minimum balance to open and no monthly fees. Minimum Balance to Earn APY: None. |
Holiday Club Savings
0.05%APY
Savings accounts designed for specific savings goals. The entire balance will be paid to you by check or transferred to another account of yours on or after November 1 and the account will remain open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum opening balance: None. Minimum Balance to Earn APY: None.Any balance | 0.05% | $5 | Minimum opening balance: None. Minimum Balance to Earn APY: None. |
Sources (3)
- colorado.meritrust.org/personal/rates
- colorado.meritrust.org/personal/savings/savings
- colorado.meritrust.org/Consumer_Rate
All captured Oct 4, 2026
IRA Share Savings
0.05%APY
Offers Traditional & Roth IRA options. Earnings may be tax deferred. No monthly fees. No minimum balance required on IRA Savings.
| BalanceRequirement | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Any balanceTraditional or Roth IRA. No minimum balance required.Any balance · Unknown to open | 0.05% | Unknown | $5 | Traditional or Roth IRA. No minimum balance required. |
| Any balanceMinimum opening balance: None. Minimum balance to earn APY: None.Any balance · $0 to open | 0.05% | $0 | $5 | Minimum opening balance: None. Minimum balance to earn APY: None. |
Youth Savings (Y.E.S Account)
0.05%APY
For ages 0-17. Accounts created to both educate and help parents educate their children about how to manage finances prior to high school graduation.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor ages 0-17. Minimum opening balance $5.00.Any balance | 0.05% | $5 | For ages 0-17. Minimum opening balance $5.00. |
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.