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Savings Rates

Share Savings Accounts | Effective Date: January 1, 2020

Account Balance Amount Dividend Rate* APY**
You Name it Savings $100+ 0.349% 0.35%

Youth  Savings 
$5+ 0.349% 0.35%
Accumulative IRA $5+ 0.03% 0.03%


Premier Savings for New Members | Effective Date: January 1, 2020

Account Balance Amount Dividend Rate* APY**
Premier Savings*** Up to $5,000 3.440% 3.50%
Premier Savings*** $5,001 - $10,000 1.980%     2.00%
Premier Savings*** $10,001- $50,000 0.995%     1.00%
Premier Savings*** $50,001+ 0.499% 0.50%

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Fee Schedule

†For Accumulative IRA, Dividend Rate and APY are the same as Regular Savings (discontinued product), with the exception that dividends are earned starting at $5.00 instead of $100.00. For Youth Savings Dividend Rate and APY are the same as You Name It Savings, with the exception that dividends are earned starting at $5.00 instead of $100.00. Variable rate account. Rates may change after the account is opened. Fees may reduce earnings.

*Variable rate accounts. Rates may change at any time after the account is opened. 

**APY is Annual Percentage Yield. Fees may reduce earnings, APY is calculated on the minimum average daily balance in the account each month. 

***Premier Savings account is available for new members to Meriwest Credit Union only and must be opened within 30 days of membership account opening. Variable rate account. Rates may change after the account is opened. Fees may reduce earnings. For example, an account with an average daily balance of $100,000 will earn 3.50% APY on balances up to $5,000, 2.00% APY on balances between $5,001 and $10,000, 1.00% APY on balances between $10,001 and $50,000, and 0.50% APY on the remaining balance in excess of $50,000. $100 minimum required to earn dividends.

Checking Rates

Consumer Checking (Share Draft) Accounts | Effective Date: January 1, 2020

Account Balance Amount Dividend Rate* APY**
Smart REWARDS Checking $100 - $15,000 1.980% 2.00%
Smart REWARDS Checking Over $15,000+ 0.10% 0.10%

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Fee Schedule

*Members must meet the following criteria each month to qualify for the REWARDS: 1)10 posted and cleared debit card transactions per month (PIN or Signature based, not including ATM transactions); 2) Establish direct deposit ($1,000 total minimum per month); 3) E-Documents enrollment (receive monthly e-statements and account notices electronically). Dividends earned will be calculated and ATM Surcharge Rebates will be refunded based on prior month end data.

**APY is Annual Percentage Yield. Variable rate account. Rates may change at any time after account is opened. The minimum balance to open the account is $20, and the minimum average daily balance to earn the stated APY is $100. Balances $15,000 and under earn 2.00% APY as long as monthly criteria* is met. The remaining balance over $15,000 earns 0.10% APY. If the monthly criteria* is not met, the entire balance earns 0.01% APY. Fees may reduce earnings.

Money Market Rates

Consumer Money Market Accounts | Effective Date: January 1, 2020

View Current Promotional Rates

Discontinued Rates


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Certificate Rates

Certificate Accounts Effective Date: January 1, 2020

View Current Promotional Rates

Account Minimum Balance Dividend Rate APY*
8 Month Liquid and IRA Liquid Share Certificates1 $10,000  1.242%    1.25%

 

Account Minimum Balance Dividend Rate APY*
6-Month Certificate2 $1,000 0.995% 1.00%
12-Month Certificate2 $1,000 1.390% 1.40%
24-Month Certificate2 $1,000 1.637% 1.65%
36- Month Certificate2 $1,000 1.833% 1.85%

Discontinued Rates


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Fee Schedule

Penalty may be imposed for early withdrawal.

*APY is Annual Percentage Yield. Fees may reduce earnings, APY is calculated on the minimum average daily balance in the account each month.

The promotional APYs are available only for new money balances to Meriwest Credit Union. Balances transferred from existing Meriwest accounts do not qualify. Certain restrictions apply. Contact the Credit Union for complete details and terms applicable. Consumer accounts only. Limited time offer may be withdrawn or modified at any time without notice.

1. The minimum balance to open the account and earn the stated APY is $10,000. Up to six (6) withdrawals and unlimited deposits allowed per month. The minimum amount to deposit or withdrawal is $500 as long as the balance does not fall below the $10,000 minimum balance, otherwise the account will be closed. Penalty will apply for early account closure.

2. The minimum balance to open the accounts and earn the stated APY is $1,000. Penalty will apply for early withdrawal.

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