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Consumer Loan Rates
Consumer Loan Rates
Consumer Unsecured Loans and Lines of Credit | Effective Date: November 1, 2026
Loan Type % Above Index Minimum Loan Amount Maximum Loan Amount APR* MyLine1 8.00% $100 $2,500*** 15.00% ValueChoice** 6.09% - 10.09% $500 $40,000*** 13.09% - 17.09% Loan Type (Fixed Rate) Term Minimum Loan Amount Maximum Loan Amount APR* Personal Loan 12 -36 months $1,000 $40,000*** 11.55% - 16.25%*** Personal Loan 36 - 60 months $1,000 $40,000*** 11.65% - 16.35%*** Money Manager Up to 48 months $1,000 $40,000*** 11.50% - 16.20%*** Go Solar Up to 180 months $45,000*** 8.60%*** Go Solar Up to 240 months $45,000*** 8.70%*** Prime Rate Loan Index: 7.00%
*APR = Annual Percentage Rate
***ValueChoice Line of Credit: The minimum payment on a ValueChoice Line of Credit is 2.5% of the outstanding principal balance, as calculated after each advance. Minimum monthly payment may increase or decrease as advances or payments are made to the outstanding balance. A $25 annual fee can be waived if amount paid in interest annually is at least equal to the Annual Fee amount before each loan anniversary date. Can be designated as overdraft protection for Credit Union checking account(s).
1. For Myline, you are required to have a linked Meriwest checking account and establish automatic payments from that linked checking account. Variable rate loan is subject to credit approval.
Membership is required with a one-time non-refundable $5 fee.
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Auto Loans Rates
Auto Loan Rates
Consumer Auto Loans | Effective Date: November 1, 2026
Terms for Fixed Auto Loans New Auto Loans (APR* as low as) Used Auto Loans (APR* as low as) Classic Car Auto Loans (APR* as low as) 12-24 Months 4.99% 5.24% 6.99% 25-36 Months 4.99% 5.24% 6.99% 37-48 Months 4.99% 5.39% 7.14% 49-60 Months 5.84% 6.24% 7.24% 61-72 Months 6.14% 6.64% 7.39% 73-84 Months 6.39% 6.84% 7.59% 85-96 Months 7.34% N/A N/A Minimum Loan Amount: $5,000.
* APR = Annual Percentage Rate
*** Rates, terms and conditions of loan will be based on individual credit worthiness.
Membership is required with a one-time non-refundable $5 fee.
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Home Equity Line of Credit
Home Equity Line of Credit
Home Equity Line of Credit - Variable Rate (Tied to Prime Index)
Property Type Vantage 4.0* Max CLTV Max Line Amount Margin APR* Max APR Primary Residence 680 & above 80% $399,999 0.25% 7.25% 18% 679 & below 70% $399,999 .50% - 1.00% 7.50% - 8.00% 18% Vacation/2nd Home 680 & above 75% $399,999 0.25% 7.25% 18% 679 & below 70% $399,999 .50% - 1.00% 7.50% - 8.00% 18% Investment Property 680 & above 70% $399,999 0.75% 7.75% 18% 679 & below 70% $399,999 1.00% - 1.50% 8.00% - 8.50% 18% High LTV Home Equity Line of Credit - Variable Rate (Tied to Prime Index) | Effective Date: November 1, 2026
Property Type Vantage 4.0* Max CLTV Max Line Amount Margin APR* Max APR Primary Residence 720 & above 85% $250,000 1.50% 8.50% 18% 680 - 719 85% $250,000 1.75% 8.75% 18% Prime Rate Loan Index: 7.00%
Minimum Line Amount = $10,000
Interest Only Payment
Origination fees, ranging from $300 to $1800, are deferred until the loan is paid in full. If the loan remains open for three or more years, the deferred origination fees are waived. Introductory rate is 6.39% for primary and 2nd residence only and 7.39% for investment properties. The High CLTV HELOC promo is 6.39% for primary residence only.
Membership is required with a one-time non-refundable $5 fee.
Jumbo HELOC
Merit Jumbo Home Equity Line of Credit - Variable Rate (Tied to Prime Index) | Effective Date: November 1, 2026
Property Type Vantage 4.0* Max CLTV Max Line Amount Margin APR* Max APR Primary Residence 720 & above 70% $400,000 - $1,000,000 0.50% 7.50% 18% 680 - 719 60% $400,000 - $750,000 0.50% 7.50% 18% 679 - 640 60% $400,000 - $750,000 0.75% 7.75% 18% Prime Rate Loan Index: 7.00%
The introductory rate is 6.39% for primary residence only.
Minimum Line Amount = $400,000
Interest Only Payment
Origination fees ranging from $1,200 to $3,000.
Secured by Second Deed of Trust.
Membership is required with a one-time non-refundable $5 fee.
5 Year Fixed Rate HELOC
5 Year Fixed Rate Equity Line of Credit - Fixed Rate | Effective Date: November 1, 2026
Property Type Vantage 4.0* Max CLTV Max Line Amount Margin APR* Max APR Primary Residence 680 & above 80% $399,999 0.50% 7.50% 18% 679 & below 70% $399,999 0.50% 7.50% 18% Vacation/2nd Home 680 & above 75% $399,999 0.50% 7.50% 18% 679 & below 70% $399,999 0.50% 7.50% 18% Investment Property 680 & above 70% $399,999 1.00% 8.00% 18% 679 & below 70% $399,999 1.00% 8.00% 18% Minimum Line Amount = $10,000
Rate is fixed for 5 years. $295 initial processing fee. No Annual fees. After the first 5 years rate will adjust annually. Margin after first five years for Vantage score above 680 is 0.0%, for Vantage score 640 – 679 is 0.50%,for Vantage score below 639 is 0.75%. Additional 0.50% Margin for 2nd home and 1.0% margin for investment property.
Terms and Conditions -Five Year Fixed (PDF)
Membership is required with a one-time non-refundable $5 fee.
*Home Equity Loans and Lines of Credit – Terms and Conditions:
Secured by first or second deed of trust Collateral property cannot exceed 3 Acres Minimum Requirements Applicant must be a member in good standing with this Credit Union Loans require a minimum monthly payment of at least $50.00Additional Terms and Conditions - Home Equity Lines of Credit:
Draw is 10 years
Maximum repayment is 180 months
$50.00 annual feeAdditional Terms and Conditions:
Vantage is derived from Experian model Vantage 4.0
**The Index (Interest Rate) is the Prime Rate currently quoted in the Money Rates Section of The Wall Street Journal in effect on the third Tuesday of the preceding month. The Interest Rate Index will never fall below 3.00%. Your Interest Rate will be based on Meriwest Credit Union’s Credit Decision Support Guideline. Please contact the Credit Union to determine for which rate you qualify. The preceding information was accurate as of the printing date of November 1, 2026, and subject to change after that date. For changes since printing, call us at (800) 750‐3775. Equal Housing Lender – Loans made without regard to color, religion, sex or national origin. The Interest Rate is subject to change monthly.
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ADU & Home Equity Loans
HomeFast ADU Loan
HomeFast ADU Loan | Effective Date: November 1, 2026
Property Type Vantage 4.0* Max CLTV Max Amount Financed Term APR* Primary Residence & 2nd Home 760 & above 80% Up to $500,000 25 years 7.00% 719-680 80% Up to $500,000 25 years 7.00% 679 - 640 80% Up to $500,000 25 years 7.00% 679 - 640 70% Up to $500,000 25 years 7.20% 639-620 70% Up to $500,000 25 years 7.45% 619 & below 70% Up to $500,000 25 years 7.55% Investment Property 760 & above 70% Up to $500,000 25 years 7.00% 759-720 70% Up to $500,000 25 years 7.00% 719- 680 70% Up to $500,000 25 years 7.00% 679 - 640 60% Up to $500,000 25 years 7.20% 639-620 60% Up to $500,000 25 years 7.45% 619 & below 60% Up to $500,000 25 years 7.55% Minimum Loan Amount = $25,000
*Introductory rate as low as 5.99% APR and interest only Payments are effective for the first 12 months starting from the loan open date. Origination fees ranging from $700 to $1,300, are deferred unless the loan remains open for three or more years, at which point the deferred origination fees are waived. Secured by Second Deed of Trust only (Cannot be 1st Lien)Properties located in Special Flood Hazard Area (SFHA) as identified by Federal Emergency Management Agency (FEMA) do not qualify for this product.
Approved construction plans and permits must be submitted before funds are released. Available only in California.
Home Equity Loans
High LTV Fixed Rate - Close Ended Loan| Effective Date: November 1, 2026
Property Type Vantage 4.0* Max CLTV Max Loan Amount Loan Term APR* Primary Residence 720 & above 100% $350,000 20 8.50% * APR is Annual Percentage Rate. An APR of 8.50% is effective for qualified borrowers with a score of 720 or higher. This rate is fixed for the full 20-year term. The loan is available for High LTV equity loans (90–100% LTV) and applies only to primary residences. Eligible property types include single-family homes and townhomes.
Monthly payment of $3,037.38 based on a $350,000 loan amount for 240 months at 8.50% APR.
Must meet eligibility criteria. Contact the credit union for details.
This is a limited time offer and may be changed or terminated without prior notice. This loan is not available for purchase of vacation (secondary) homes or investment properties.
Community Advantage - Home Equity Loan (Fixed Rate) | Effective Date: November 1, 2026
Property Type Vantage 4.0* Max CLTV Max Amount Financed Term APR* Primary Residence and 2nd Home 720 & above 80% Up to $399,999 10 years 7.05% 680 - 719 80% Up to $399,999 10 years 7.15% 640 - 679 70% Up to $399,999 10 years 7.25% 620 - 639 70% Up to $399,999 10 years 7.40% 619 & below 70% Up to $399,999 10 years 7.50% 720 & above 80% Up to $399,999 15 years 7.15% 680 - 719 80% Up to $399,999 15 years 7.20% 640 - 679 70% Up to $399,999 15 years 7.35% 620 - 639 70% Up to $399,999 15 years 7.50% 619 & below 70% Up to $399,999 15 years 7.55% 720 & above 80% Up to $399,999 20 years 7.25% 680 - 719 80% Up to $399,999 20 years 7.30% 640 - 679 70% Up to $399,999 20 years 7.45% 620 - 639 70% Up to $399,999 20 years 7.70% 619 & below 70% Up to $399,999 20 years 7.80% Minimum $10,000 Loan Amount.
Secured by second deed of trust only (cannot be 1st lien).
Properties located in Special Flood Hazard Area (SFHA) as identified by Federal Emergency Management Agency (FEMA) do not qualify for this product.No third party fees.
* APR = Annual Percentage Rate
** The payments listed are for informational purpose only. The actual payments are based on the amount borrowed, loan term and rate. Other options may be available, call 1-877-MERIWEST for details.
*** Maximum loan to value for secondary residence is 75%. Maximum Loan to Value for Investment Property is 70%.
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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How can I get my checking account number?
The best way to access your account number is through Online or Mobile Banking. Simply log in to Online Banking and click the account of your choice. The full account number will be visible.
If you are not signed up for Online Banking, visit your local branch along with a valid photo ID to receive your account number.
Not signed up? Get started with Online Banking for easy access to your accounts anytime, anywhere!
With Online Banking, you can view your account history, make online transfers, access Bill Pay & eStatements...and more! All from the comfort of your own home.
To learn more about the convenience of banking online, please refer to our Online Banking page or enroll today!
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Can I use digital wallet options with my Meriwest debit card?
Yes! You can use your Meriwest Mastercard® Debit card to pay at millions of store locations that accept mobile payments, plus in apps and online. Get started today by clicking on the icons below.
