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Who We Are

Rather than just offering products like big box banks down the street, we promote the well-being of our community by identifying needs, offering advice and building customized solutions that will accomplish your goals.

 

 

About Meriwest Credit Union

 

Origin of the name: Meriwest [pronounced mer-eh-west as in America (Amer-eh-ca)]. Derived from the combination of merit and west, conveying the meaning of respect and praise, a commendable quality or act, combined with the adventurous and entrepreneurial spirit of the west.

Meriwest Credit Union delivers financial value to any individual and small business in the Greater Bay Area of California and Pima County, Arizona that is looking for above market rates on deposits, low loan rates, lower fees, product options and an experience that makes you feel good about your decision to do business with us.

If the idea of no-cost checking, free online and mobile banking with free Bill Pay, mortgages with little money down and home equity lines of credit that are competitively priced appeals to you, make your move to Meriwest.

Plus, if you need a reference, just ask our members! More than one-third of our new members are referred from friends and family who consistently rate us high in service and have rated the interaction with our employees as their greatest source of satisfaction.

Our history started on May 5, 1961 when the IBM San Jose Employees Federal Credit Union was organized. In 1975 the official name changed to Pacific IBM Employees Federal Credit Union. In 1999 Pacific IBM became Meriwest Credit Union. Today, the same great benefits of credit union membership that were once only available to the employees and families of those employed at IBM, are now available to anyone who lives or works in the Greater Bay Area of Northern California or in Pima County, Arizona.

Meriwest offers everyone the latest technologies, branch convenience and personal services to meet any financial need. Products and services range from checking and savings accounts, consumer loans, small business loans and merchant services, and investment and insurance options, all accessible through normal branch channels, via online banking, as well as the latest access through mobile banking technology.

Serving individuals, families, and area businesses with over $2 billion in assets, those who become a part of Meriwest enjoy the security of banking with an organization that's established, financially sound and has a strong local heritage.

Because Meriwest is member-owned, our members have more money in their pocket to use as they see fit through:

  • Above market rates on deposits
  • Lower interest rates on loans
  • Fees that are more than four times lower than banks. On average, banks receive as much as 40% of their income from fees. At Meriwest, income from fees is much lower.

Meriwest's Business Banking brings a personalized banking experience to local small businesses through benefits that are usually only offered at big banks.

  • Truly free business checking and interest bearing checking
  • Loans to meet all your business needs
  • Merchant and Payroll Services
  • Personalized service from a dedicated business banking representative

 

Meriwest offers the convenience and comfort from banking at a place where members always receive a welcoming experience. Members enjoy banking at financial centers that feel more like banking in their own living room and feature:

 

  • Complimentary Peet's coffee
  • No teller lines
  • Financial news and offers
  • Access to a cybercafe
  • Children's workstation and play areas

 

Not close to a Meriwest Financial Center, no problem. Meriwest is networked with other credit unions so you can conduct your transactions at a location convenient to you. Or if you prefer, you can use our Online and Mobile Banking services for easy access to your accounts anytime.

 

By listening to our members, we can help them achieve their goals and provide advice that's truly in their best interest. Our free, how-to seminars that save members time by providing all the information they need in one place and give them the confidence to make big financial decisions.

All good reasons to break free from your bank and join the move to Meriwest.

MWA

Experience. Integrity. Insight.

Meriwest Wealth Advisors is here for the future of the ones you love. Call today to schedule a no-cost, no-obligation review of your investment portfolio and life insurance policies. 408-866-1002.


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Smart Rewards Checking Bonus

Important Notice:

Phishing Scam Alert: Meriwest members have reported receiving a call or text message by someone claiming to be from Meriwest’s Fraud Department and the caller ID may show our toll-free number. Please hang up or do not respond.


*Learn More

  • 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

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Woman looking at laptop on couch

People Usually Ask:

  • How can I sign up for direct deposit?

    You can now sign up through online or mobile banking. 

    Online Banking: Main Menu → Manage → My Direct Deposit

    Mobile App: Select “More” (bottom of screen) → Manage → My Direct Deposit

    If your employer provides a Direct Deposit form, fill in the routing number provided below and submit it to your HR Department. Meriwest's Direct Deposit PDF form to set up Direct Deposit to your Meriwest account.

    The Meriwest routing number is: 321176833

    Eligible Checks for Direct Deposit

    Set up direct deposit directly into your checking or savings account for your:

    • Paycheck
    • Social Security check
    • Retirement check
    • Annuity check

    For further assistance, contact us.

  • 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

  • Can I deposit coins in a branch?

    We do accept coin deposits! In fact, we have coin counting machines at many of our Meriwest Financial Centers to accommodate our members.

    To find a branch location near you, visit our locations page.

    Shared Branching

    For your convenience, we participate in shared branching with Credit Union Service Centers, a cooperative effort between credit unions nationwide to assist each other’s members. As a result, you can conduct business on your Meriwest accounts at other credit unions throughout the country as though you were at your local Meriwest branch!

    The hours of shared branch locations will vary by institution. If you are using a CO-OP Express Kiosk or ATM for the first time, you must register with us before use. To register, please call 877-MERIWEST (637-4937). Access may take up to 2 business days following registration.

  • Can I mail a check for deposit into my account?

    Yes, you can mail a check for deposit to any one of our branch locations or our general mailing address:

    P.O. Box 530953  
    San Jose, CA 95153-5353

    Please note: Be sure to include a deposit slip and write your account number on the check.

    Save the stamp and deposit your check with our Mobile Banking app.

    Easily deposit checks from anywhere with your mobile phone or tablet using the device's built-in camera.

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