Meridian Trust Federal Credit Union

Headquarters

4349 E Lincolnway
Cheyenne, WY 82001
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 5.55% →
1-Year CD 0.55% 5.60% →
2-Year CD 0.75% 5.00% →
5-Year CD 1.20% 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Meridian Trust is an NCUA insured institution located in Cheyenne, WY. It was founded in 1954 and has approximately $680.25 millions in assets.

Who can join?

Meridian Trust membership is open to:
• Employees and Retirees of the State of Wyoming, including the University of Wyoming and Wyoming Department of Transportation
• Military Personnel--Active and Retired
• Employees of All Wyoming Public Schools and School Districts
• Employees of any of our current Select Employee Groups
• People who live, work, worship, or attend school in Carbon, Fremont, Sweetwater, and Uinta counties
• Join Smart Money Community for a $5 fee that is fully refunded when you become a member
• Businesses and other legal entities located within these areas can join
In addition:
• People who live, work, worship, or attend school in Cheyenne Census Tracts 2, 3, 4.02, 7, 10, and 11. These areas cover much of Cheyenne. Map of eligible area (PDF)
• Businesses and other legal entities located within these areas are also eligible
Plus, you can absolutely join if you, or an immediate family member, belong to, work for, or are retired from any of the employers and organizations listed above, as well as any of the SEGs (Select Employee Groups).
And if you don’t see your employer or association listed, that does not mean you can’t join Meridian Trust. It is both easy and free to have your business or organization partner with us.

NCUA Insured Yes / Federally Chartered
Charter Number # # 9160
Date Established 1954
Assets $680.25 million
Loans $502.98 million
Deposits $600.32 million
Capital $72.94 million
 

Field of Membership Restrictions

Must be an employee of the State of Wyoming, any Public School or any School District in Wyoming. Also open to those who live, work, worship or attend school in Carbon, Fremont, Sweetwater or Uinta County and select areas of Cheyenne and Goshen Counties in Wyoming or select areas of Scotts Bluff County in Nebraska.

Deposit Rates - April 19, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.15% $10,000 $14,999 Learn More
6 Mo CD
0.15% $100,000 $199,999 Learn More
12 Mo CD
0.55% $10,000 $14,999 Learn More
12 Mo CD
0.55% $100,000 $199,999 Learn More
18 Mo CD
0.65% $10,000 $14,999 Learn More
18 Mo CD
0.65% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
30 Mo CD
1.00% $10,000 $14,999 Learn More
30 Mo CD
1.00% $100,000 $199,999 Learn More
36 Mo CD
1.05% $10,000 $14,999 Learn More
36 Mo CD
1.05% $100,000 $199,999 Learn More
48 Mo CD
1.10% $10,000 $14,999 Learn More
48 Mo CD
1.10% $100,000 $199,999 Learn More
60 Mo CD
1.20% $10,000 $14,999 Learn More
60 Mo CD
1.20% $100,000 $199,999 Learn More
Checking Rates APY MIN FEE
MaxRewards Checking 4.00% $0 $0.00 Learn MoreShow Less

Loan Rates - April 19, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Meridian Trust

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Tomo Mortgage, LLC.
NMLS ID: 2059741
6.994% 6.875% 0.63 $3,901 $2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.451% 7.375% 0.75 $2,400 $2,211 Learn More
MortgageResearch.com
NMLS ID: Not a Lender
Learn More
FHAloans.com
NMLS ID: Not a Lender
Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
$0 Learn More
More Info

Note to Meridian Trust
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Meridian Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio


Meridian Trust Locations



Climate Policy and Initiatives

MERIDIAN TRUST is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

Meridian Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Meridian Trust. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Meridian Trust U.S. Average
4.09% 6.97

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2023, Meridian Trust had $2,860,498 in non-current loans and $222,423 in owned assets. To cover these potential losses it had $72,940,228 in net worth and $2,484,887 in loans loss reserves. That gives it a Texas Ratio of 4.09%.

Net Worth
Meridian Trust U.S. Average
10.72% 13.62%

Meridian Trust FCU has a net worth of 10.72% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for Meridian Trust

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