Credit union · NCUA insured
Meritus Credit Union CD Rates
Meritus Credit Union’s best CD rate is 3.50% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Meritus Credit Union’s CD rates compare
Compared with banks and credit unions near Lafayette, LA, where Meritus Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Meritus Credit Union
3.50%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $350
Share Certificates
Top rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
2nd-highest rate
Capital One
4.40%APY
- Term
- 11 months
- Minimum
- $0
- Earns on $10,000
- $403
Meritus Credit Union CD score
71
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo2.01%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.25%
- 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 Meritus Credit Union 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.
Share Certificates
Up to 3.50%APY · 4 terms
Early withdrawals subject to penalty. Terms from 6 months to 3 years available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum to earn dividends is $2,500 | 2.01% | $100 |
| 12 monthsMinimum to earn dividends is $2,500 | 3.50% | $350 |
| 24 monthsMinimum to earn dividends is $2,500 | 3.00% | $609 |
| 36 monthsMinimum to earn dividends is $2,500 | 3.25% | $1,007 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Share Certificates
Up to 3.50%APY · 3 terms
Available as Traditional and Roth IRA options. Early withdrawals subject to penalty. No setup fees, no monthly or annual maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum to earn dividends is $2,500 | 3.50% | $350 |
| 24 monthsMinimum to earn dividends is $2,500 | 3.00% | $609 |
| 36 monthsMinimum to earn dividends is $2,500 | 3.25% | $1,007 |
Sources (2)
All captured Sep 18, 2026
Who can join Meritus Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives, works, worships or attends school in Acadia Parish.
- Eligibility is open to anyone who lives, works, worships or attends school in Iberia Parish.
- Eligibility is open to anyone who lives, works, worships or attends school in Lafayette Parish.
- Eligibility is open to anyone who lives, works, worships or attends school in St. Martin Parish.
- Eligibility is open to anyone who lives, works, worships or attends school in Vermilion Parish.
Family and household
- Eligibility is open to immediate family members of existing members, including spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, step-siblings, and adoptive relationships.
Cost to join
- Joining requires opening a share savings account with a minimum deposit of $25.
Membership information collected October 5, 2026.