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Meridian Trust Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.mymeridiantrust.com
800-726-5644
4349 E Lincolnway
Cheyenne, WY 82003

Meridian Trust Federal Credit Union is headquartered in Cheyenne and is the 3rd largest credit union in the state of Wyoming. It is also the 608th largest credit union in the nation. It was established in 1954 and as of March of 2025, it had grown to 121 employees and 41,980 members at 9 locations. Meridian Trust Federal Credit Union's savings rates are 8X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Meridian Trust Federal Credit Union is open to employee of the State of Wyoming, the University of Wyoming, Wyoming public schools/school district, or the Wyoming Department of Transportation. Individuals who live, work, worship, or attend school in the Wyoming counties of Carbon, Fremont, Sweetwater or Uinta, or select areas of Cheyenne and Goshen Counties, Wyoming, are eligible to join. Individuals who live, work, worship, or attend school in select areas Scotts Bluff County, Nebraska also qualify for membership.
See current membership details

Reviews

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #9160
Year Chartered1954
Employees121
Primary Regulator
Profit Margin
Return on Assets - YTD2.71%
Return on Equity - YTD21.77%
Annual Interest Income$8.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$700.9MM$689.8MM
LoansQ1 2025vs Q1 2024$514.1MM$501MM
DepositsQ1 2025vs Q1 2024$608MM$608.9MM
Equity CapitalQ1 2025vs Q1 2024$85.8MM$70.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$3MM$3.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2MM$1.3MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Meridian Trust Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Meridian Trust Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$0$1.5kSteady Savers Club
OTHER TIERS: 0.05% → $1.5k+
0.05%$100-Savings
0.05%$100-Health Savings Account (HSA)
0.05%$100-Business Savings
0.05%$100-Kirby Kangaroo Club Kids Savings Program
0.05%$100-Claim Your Youth Savings Account

Meridian Trust Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
6.00%*$0$2kReverse Tier Money Market
OTHER TIERS: 0.10% → $10k+ | 0.50% → $5k - $10k | 2.47% → $2k - $5k
2.00%*$150k*-Money Market
OTHER TIERS: 0.05% → $0 - $2.5k | 0.25% → $2.5k - $10k | 0.30% → $10k - $25k | 0.35% → $25k - $50k | 0.40% → $50k - $100k | 1.00% → $100k - $150k
2.00%*$150k*-IRA Money Market
OTHER TIERS: 0.05% → $0 - $2.5k | 0.25% → $2.5k - $10k | 0.30% → $10k - $25k | 0.35% → $25k - $50k | 0.40% → $50k - $100k | 1.00% → $100k - $150k

Meridian Trust Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-MaxRewards Checking

Meridian Trust Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$2.5k$100kBusiness 12 Month CD Special - New Money
3.50%$500-6 Month CD
3.50%$500-Business 6 Month CD
3.45%$500-60 Month CD
3.45%$500-48 Month CD
3.45%$500-Business 48 Month CD
3.45%$500-Business 60 Month CD
3.40%$500-36 Month CD
3.40%$500-30 Month CD
3.40%$500-24 Month CD
3.40%$500-18 Month CD
3.40%$500-12 Month CD
3.40%$500-Business 12 Month CD
3.40%$500-Business 18 Month CD
3.40%$500-Business 24 Month CD
3.40%$500-Business 30 Month CD
3.40%$500-Business 36 Month CD

Meridian Trust Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%$500-6 Monts IRA Certificate
3.45%$500-48 Monts IRA Certificate
3.45%$500-60 Monts IRA Certificate
3.40%$500-12 Monts IRA Certificate
3.40%$500-18 Monts IRA Certificate
3.40%$500-24 Monts IRA Certificate
3.40%$500-30 Monts IRA Certificate
3.40%$500-36 Monts IRA Certificate
Locations


Meridian Trust Federal Credit Union Locations
Branch Office1817 Mahoney StRawlins, WY 82301-5954
Branch Office873 Main StLander, WY 82520-3037
Branch Office2223 Warren AveCheyenne, WY 82001
Branch Office4349 E LincolnwayCheyenne, WY 82001
Branch Office901 W 29th StScottsbluff, NE 69361
Branch Office8205 Wellington BlvdWellington, CO 80549
Branch Office1602 Prairie AveCheyenne, WY 82009-4836
Branch Office103 E 1st StAlliance, NE 69301-3806
Branch Office740 S US Highway 89Jackson, WY 83001

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