Earn more with your money with a Certificate Account.
If you're looking for an insured product with a guaranteed higher annual dividend rate and you can keep your funds in an account for a longer term, certificate accounts at Meriwest are the right solutions for you.
Certificate Rates Effective Date: September 1, 2023
| Account | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| 3-Month Easy Certificate3 | $1,000 | 4.641% | 4.75% |
| Account | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| 13-Month Best Certificate4 | $1,000 | 4.784% | 4.90% |
IRA options are available for all the certificates and terms below:
| Account | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| 8-Month Liquid Certificate1 | $10,000 | 1.980% | 2.00% |
| Account | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| 6-Month Certificate2 | $1,000 | 1.637% | 1.65% |
| 12-Month Certificate2 | $1,000 | 2.225% | 2.25% |
| 24-Month Certificate2 | $1,000 | 2.372% | 2.40% |
| 36-Month Certificate2 | $1,000 | 2.274% | 2.30% |
You can use non-promotional certificates as collateral for a Meriwest Certificate Pledge Loan
Please indicate what you are interested in today?
3-Month Easy Certificate
6-Month Certificate
12-Month Certificate
24-Month Certificate
13-Month Best Certificate
36-Month Certificate
Eligibility Requirements
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.
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.
Annual Percentage Yield is accurate as of 06/21/23 and valid for the stated twelve (12) month, twenty four (24) month or sixty (60) month term of each certificate. Merit Rewards certificate rate bumps do not apply to promotional rates. 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. The minimum balance to open the accounts and earn the stated APY is $1,000. Penalty may apply for early withdrawal.
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.
3. Annual Percentage Yield is accurate as of 7/19/23 and valid for the stated three (3) month terms of the certificate. The minimum balance to open the accounts and earn the stated APY is $1,000. Penalty may apply for early withdrawal. Merit Rewards certificate rate bumps do not apply to promotional rates. Certain restrictions apply. Contact the Credit Union for complete details and terms applicable. Limited time offers, may be withdrawn or modified at any time without notice.
4. Annual Percentage Yield is accurate as of 7/19/23 and valid for the stated thirteen (13) month term of the certificate. The minimum balance to open this account and earn the stated APY is $1,000. Penalty may apply for early withdrawal. Merit Rewards certificate rate bumps do not apply to promotional rates. Certain restrictions apply. Contact the Credit Union for complete details and terms applicable. Limited time offers, may be withdrawn or modified at any time without notice.
Membership is required with a one-time non-refundable $5 fee.
Frequently Asked Questions
Visit our Rates page for the current CD rate and term information.
Earn more for your money with a Certificate Account
If you're looking for an insured product with a guaranteed higher annual dividend rate and you can keep your funds in an account for a longer-term, certificate accounts at Meriwest are the right solutions for you.
Visit our Certificate Accounts page to learn more or apply today.
The penalty imposed on an early withdrawal from a certificate will be equal to a percentage of the amount of the principal balance that is withdrawn. The percentage is calculated by dividing the number of days remaining in the then-current term at the time of the withdrawal by 365.
Please note that early withdrawal penalties may exceed the amount of dividends earned and further reduce the principal balance. In regards to tax penalties, we ask that you please contact your tax advisor for assistance.
Penalties and fees may differ per product or promotion. Please Contact Meriwest for an exact amount.
Need access to funds? Consider a personal line of credit.
The ValueChoice Credit Line Option allows you to use the credit you need, pay it back in low monthly installments and use it again. Access to funds is easy - write a ValueChoice check, get cash from a Meriwest ATM, or take a cash advance with Meriwest Online or over the phone.Click here to learn more and apply today!
Meriwest offers Traditional, Roth, and Accumulative IRAs.
Visit our IRA page to compare each type and try our simple-to-use Retirement Calculators to formulate your strategies.
Move toward a healthy financial future
Meriwest Wealth Advisors offer a complete array of financial investment options and personalized financial planning designed for your specific personal needs. Explore all of the traditional financial investments including stocks, bonds, mutual funds, as well as private placements.
Learn more on our Wealth and Investment Services page or speak with a registered representative at (408) 866-1002.
An IRA is an independent retirement account that helps you save for retirement with tax advantages. To help you reach your financial goals by the time you're ready to retire, Meriwest offers a wide range of insured options for your retirement investing including Traditional, Roth, and Accumulative IRAs.
Visit our IRA page and try our simple-to-use Retirement Calculators to formulate your strategies.
Move toward a healthy financial future
Meriwest Wealth Advisors offer a complete array of financial investment options and personalized financial planning designed for your specific personal needs. Explore all of the traditional financial investments including stocks, bonds, mutual funds, as well as private placements.
Learn more on our Wealth and Investment Services page or speak with a registered representative at (408) 866-1002.
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.
Earn more for your money with a Certificate Account
If you're looking for an insured product with a guaranteed higher annual dividend rate and you can keep your funds in an account for a longer-term, certificate accounts at Meriwest are the right solutions for you.
Visit our Certificate Accounts page to learn more or apply today.
We offer many savings account options. Choose an option below to explore the accounts in each category:
- You Name It Savings
- Youth Savings
- Retirement Accounts
- Money Market Accounts
- Certificate Accounts
- Business Savings Accounts
New Member Premier Savings Promotion:
It’s a great account with the kind of yield that usually requires large sums of money committed for several years. Available only to new members during the first thirty (30) days from the date of opening a membership account.
Check out our current Savings Rates.
Learn more about our Member Benefits or fill out our Online Membership Application to join us today.