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Savings Rates
Savings Rates
Share Savings Accounts | Effective Date: November 1, 2026
Account Balance Amount Dividend Rate* APY** You Name Savings† $100+ 0.100% 0.10% Accumulative IRA† $5+ 0.030% 0.03% Anniversary Savings**** $1+ 0.100% 0.10% Premier Savings for New Members | Effective Date: November 1, 2026
Account Balance Amount Dividend Rate* APY** Premier Savings*** $100 to $10,000 4.162% 4.25% Premier Savings*** $10,001 - $50,000.99 2.225% 4.25%-2.65% Premier Savings*** $50,001+ 1.242% 2.65%-1.95% †For Accumulative IRA, Dividend Rate and APY are the same as Regular Savings (discontinued product), with the exception that dividends are earned starting at $5.00 instead of $100.00. For Youth Savings Dividend Rate and APY are the same as You Name It Savings, with the exception that dividends are earned starting at $5.00 instead of $100.00. Variable rate account. Rates may change after the account is opened. Fees may reduce earnings.
*Variable rate accounts. Rates may change at any time after the account is opened.
**APY is Annual Percentage Yield. Fees may reduce earnings, APY is calculated on the minimum average daily balance in the account each month.
***Available only to new members during the first thirty (30) days from the date of opening a membership.
***APY is Annual Percentage Yield. APY is accurate as of November 1, 2026. Fees may reduce earnings. APY is calculated on the minimum average daily balance in the account each month. The minimum deposit required to open a Premier Savings account is $20. APYs assume a $100,000 minimum average daily balance. Variable rate account, rates may change after the account is opened. Please refer to our current Rate Schedule for applicable dividend rates, APYs and tiers.
****Sweepstakes is restricted to legal U.S. residents at least 18 years of age. Sweepstakes Entry: There is one (1) way to enter the Sweepstakes during the Sweepstakes Period: starting on May 1, 2026 and ending on December 31, 2026. Eligible entrants may enter the Sweepstakes by opening an Anniversary Savings account and maintaining qualifying balances during the Sweepstakes Period. For every $500 in daily average balance maintained in the Anniversary Savings account during each calendar month of the promotion period, the member will receive one (1) entry. Balances will be rounded to the nearest $500. Members may earn multiple entries each month. Only balances held in the Anniversary Savings account are eligible for sweepstakes entries. Limit one (1) Anniversary Savings account per member. No new money is required to participate. Accounts that are closed during the promotion period will forfeit all accumulated entries. Winner will be selected in January 2027. Prize consists of $6,500 in cash, which will be deposited directly into the winner’s Anniversary Savings account. Prize may be subject to tax reporting. See Official Rules for an estimate of odds and complete details. You may receive a copy of the complete rules at any Meriwest Credit Union branch. All employees, agents and representatives of Meriwest Credit Union (the “Sponsor”) are ineligible to participate. © 2026 Meriwest Credit Union. See Full Sweepstakes Rules
Membership is required with a one-time non-refundable $5 fee.
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Checking Rates
Checking Rates
Consumer Checking (Share Draft) Accounts | Effective Date: November 1, 2026
Account Balance Amount Dividend Rate* APY** Smart REWARDS Checking $100 - $15,000 1.980% 2.00% Smart REWARDS Checking Over $15,000+ 0.10% 0.10% *Members must meet the following criteria each month to qualify for the REWARDS: 1)10 posted and cleared debit card transactions per month (PIN or Signature based, not including ATM transactions); 2) Establish direct deposit ($1,000 total minimum per month); 3) E-Documents enrollment (receive monthly e-statements and account notices electronically). Dividends earned will be calculated and ATM Surcharge Rebates will be refunded based on prior month end data.
**APY is Annual Percentage Yield. Variable rate account. Rates may change at any time after account is opened. The minimum balance to open the account is $20, and the minimum average daily balance to earn the stated APY is $100. Balances $15,000 and under earn 2.00% APY as long as monthly criteria* is met. The remaining balance over $15,000 earns 0.10% APY.
Membership is required with a one-time non-refundable $5 fee.
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Money Market
Money Market
Consumer Money Market Accounts | Effective Date: November 1, 2026
Account Balance Amount Dividend Rate* APY** Money Market Max* $250,001+ 2.469% 2.50% Money Market Max* $50,001 - $250,000 1.735% 1.75% Money Market Max* $10,000 - $50,000 0.747% 0.75% SecureEdge Money Market1 $250,001+ 2.274% 2.30% SecureEdge Money Market1 $100,000-$250,000 1.538% 1.55% SecureEdge Money Market1 $10,000-$99,999 0.548% 0.55% * Annual Percentage Yields (APYs) are accurate as of November 1, 2026. The minimum balance to open the account is $10,000. Variable rate account. Rates may change after the account is opened. You must maintain a minimum average daily balance of $10,000 in the account to earn dividends and obtain the applicable Annual Percentage Yield (APY). Account will close if balance is zero at month end. Fees may reduce earnings. For consumer accounts only.
1: The Money Market Dividend Rate Schedule is regularly updated and available at any Meriwest Credit Union financial center; by calling 877-MERIWEST (877-637-4937); or by visiting www.meriwest.com. This schedule is incorporated as part of Meriwest’s Consumer Account Disclosure and Deposit Agreement (Form B-055) as part of Meriwest’s Business Account Disclosure and Deposit Agreement (Form B-066) and should not be used separately. Consult Meriwest’s Consumer Fee Schedule and Business Fee Schedule for applicable account fees. The Consumer Account Disclosure and Deposit Agreement, the Business Account Disclosure and Deposit Agreement, Consumer Dividend Rate Schedule and Business Dividend Rate Schedule and Consumer Fee Schedule and Business Fee Schedule are incorporated and set forth the complete Truth-in-Savings account disclosures. Federally insured by NCUA.
2: Meriwest accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency. The SecureEdge Money Market Account is also privately insured by American Share Insurance (ASI) for amounts exceeding NCUA Share Insurance coverage, up to an additional $1,000,000 per member. Only deposits in the SecureEdge Money Market Account will receive this additional coverage from ASI. Excess member deposits held in other account products are not eligible. ASI is not affiliated with the NCUA or any other federal agency.
Membership is required with a one-time non-refundable $5 fee.
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Certificate Rates
Certificate Rates
Effective Date: November 1, 2026
IRA options are available for all the certificates and terms below:
Liquid Certificate Balance Amount Dividend Rate* APY** 8-Month Liquid Certificate1 $10,000 3.585% 3.65% Term Certificates Balance Amount Dividend Rate* APY** 6-Month Certificate2 $1,000 3.585% 3.65% 12-Month Certificate2 $1,000 3.585% 3.65% 24-Month Certificate2 $1,000 3.682% 3.75% 36-Month Certificate2 $1,000 3.778% 3.85% 60-Month Certificate2 $1,000 3.970% 4.05% Above rates are not available for institutional certificates.
Penalty may be imposed for early withdrawal.
1. Annual Percentage Yield is accurate as of November 1, 2026 and valid for the stated eight (8) Month Liquid Certificate. The minimum balance to open the account and earn the stated APY is $10,000. Withdrawals of the principal balance from the account are permitted at any time as long as the balance does not fall below the $10,000 minimum balance. Penalty may apply for early account closure.
2. Annual Percentage Yield is accurate as of November 1, 2026 and valid for the stated six (6) month, twelve (12) month, twenty-four (24) month or thirty-six (36) month, sixty (60) month term of each certificate. Certain restrictions apply. Contact the Credit Union for complete details and terms applicable. Consumer accounts only. Limited time offer may be withdrawn or modified at any time without notice. The minimum balance to open the accounts and earn the stated APY is $1,000. Penalty may apply for early withdrawal.
Membership is required with a one-time non-refundable $5 fee.
Join Our Family!
Membership is required for Meriwest products and services. You are eligible to join Meriwest Credit Union if any of the following applies:
- You live, work, worship, or attend school in Alameda, Contra Costa, San Francisco, San Mateo and Santa Clara counties of Northern California, and Pima county of Arizona.
- You are an employee of a participating Meriwest Credit Union member company.
- You are a relative of or reside with a current member of Meriwest Credit Union.
- If you don’t meet any of the requirements above but live in California or Arizona, you can still join Meriwest with a complimentary membership in the Financial Fitness Association. Call 1-877-637-4937 to learn more.
People Usually Ask:
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What are the current certificate rates?
Visit our Rates page for the current certificate rate and term information.
Earn more for your money with a Certificate Account
If you're looking for an insured product with a guaranteed higher annual dividend rate and you can keep your funds in an account for a longer-term, certificate accounts at Meriwest are the right solutions for you.
Visit our Certificate Accounts page to learn more or apply today.
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What are the penalties for early Certificate (CD) withdrawals?
The penalty imposed on an early withdrawal from a certificate will be equal to a percentage of the amount of the principal balance that is withdrawn. The percentage is calculated by dividing the number of days remaining in the then-current term at the time of the withdrawal by 365.
Please note that early withdrawal penalties may exceed the amount of dividends earned and further reduce the principal balance. In regards to tax penalties, we ask that you please contact your tax advisor for assistance.
Penalties and fees may differ per product or promotion. Please Contact Meriwest for an exact amount.
Need access to funds? Consider a personal line of credit.
The ValueChoice Credit Line Option allows you to use the credit you need, pay it back in low monthly installments and use it again. Access to funds is easy - write a ValueChoice check, get cash from a Meriwest ATM, or take a cash advance with Meriwest Online or over the phone. -
What kinds of savings account do you have?
We offer many savings account options. Choose an option below to explore the accounts in each category:
- You Name It Savings
- Retirement Accounts
- Money Market Accounts
- Certificate Accounts
- Business Savings Accounts
- New Member Premier Savings Promotion: a great account with the kind of yield that usually requires large sums of money committed for several years. Available only to new members during the first thirty (30) days from the date of opening a membership account.
Check out our current Savings Rates.
Unlock the benefits of banking with Meriwest Credit Union
Learn more about our Member Benefits or fill out our Online Membership Application to join us today.
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How do I open a new account?
If you are an existing member, you can open additional accounts through Online Banking. Log in to your Online Membership Application. Online Banking account and select 'Open New Account'. Select 'Checking, Savings, MM or Certificate'. From here, you will be presented with a list of current products that are offered by Meriwest. If you are not a member yet, you can open a new account and apply for membership through our Online Membership Application.
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Is there a minimum balance or deposits required for a checking account?
To find the minimum requirements for each type of checking account, visit our Compare Checking Accounts page.
Open a new checking account today!
If you are already a member, log in to Online Banking to open a new checking account