Share and Certificate Pledge Loans

Get a better rate by using your savings as collateral.

Need funds but still want to keep your current liquidity? Use the money you have on deposit in a personal savings account or a certificate account at Meriwest Credit Union as collateral for a low-interest rate loan.

Lower interest rate than other types of loans
Borrow up to 100% of your collateral amount
No annual fees
Set up an automatic payment plan for more convenience

Call 877-MERIWEST (877-637-4937) for current Share Pledge loan rates or to apply today.

Apply Now

SAFETYnet Debt Protection

Protect yourself and your loan.
Have you ever thought about what will happen if you can't make your loan payments? To better serve our members, Meriwest Credit Union has replaced our credit life and disability insurance with a new debt protection product called SAFETYnet. It's an option available to you when you secure your next loan with Meriwest.

Working great. Love the convenience of easy checking and the great customer service!
-Esther W
It has a really good checking interest rates
-Vanessa C.
Great interest rates with no checking fees!
- Raquel S.

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.

Join Meriwest Today! Visit A Branch

People Usually Ask:

How can I qualify for a loan?

Loan qualifications differ depending on which loan you are applying for. The best way to know if you qualify is to apply!
There is no cost to apply, and our Financial Service Representatives will work with you and discuss your options.
What is my loan payoff amount?

To obtain a loan payoff, visit a Meriwest Financial Center, contact us, or log into Meriwest Online Banking.
What are the current rates?

Meriwest Credit Union's current Loan rates are always online. Visit our Rates page to see our competitive rates.
What products qualify for the Meriwest Merit Rewards Program?
Below is a list of qualifying products for the Meriwest Merit Rewards Program:
- Share Certificate Accounts
- Share Savings Accounts
- Money Market Accounts
- Auto Loans
- Unsecured Lines of Credit with a Balance
- Personal/Money Manager and Other Unsecured Loans
- Share and Other Secured Loans
- Closed-End Equity Loans
- Home Equity Lines of Credit with a Balance
- Current Meriwest Credit Cards with Monthly Activity
- Meriwest Mortgage Loans (Counts as 2 Products)
- Meriwest Wealth Advisor Accounts (Counts as 2 Products)
Visit our Merit Rewards Program page to learn more.
How long does a loan approval take?

If you apply for a loan online, you can receive a loan decision in 60 seconds. In most other cases, we are able to provide a loan decision within 24 hours.

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