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Certificate Accounts

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Earn more with your money with a Certificate Account.

Account Minimum Balance Dividend Rate APY*
12-Month SPECIAL Certificate* $1,000 2.078% 2.10%
24-Month Promotional Certificate* $1,000 2.664% 2.70%
60-Month Promotional Certificate* $1,000 3.102% 3.15%

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: October 01, 2022

IRA options are available for all the certificates and terms below:

Account Minimum Balance Dividend Rate APY*
8-Month Liquid Certificate1 $10,000  1.292%    1.30%
12-Month Promotional Certificate $1,000  1.193%    1.20%
Account Minimum Balance Dividend Rate APY*
6-Month Certificate2 $1,000 0.846% 0.85%
12-Month Certificate2 $1,000 1.489% 1.50%
24-Month Certificate2 $1,000 1.686% 1.70%
36-Month Certificate2 $1,000 1.882% 1.90%

You can use non-promotional certificates as collateral for a Meriwest Certificate Pledge Loan

Unlock the benefits of banking with Meriwest Credit Union

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.

Please indicate what you are interested in today?


6-Month Certificate

12-Month Certificate

24-Month Certificate

9-Month Promotional Certificate

36-Month Certificate

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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.

Annual Percentage Yield is accurate as of 10/01/22 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 Limited time offer may be withdrawn or modified at any time without notice.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.