Certificate Options
IRA options are available for all the certificates and terms below:
| Account | Minimum Balance | Dividend Rate | APY* | Open Account Here |
|---|---|---|---|---|
| 8-Month Liquid Certificate1 | $10,000 | 3.585% | 3.65% | Get Started |
| 6-Month Certificate2 | $1,000 | 3.585% | 3.65% | Get Started |
| 12-Month Certificate2 | $1,000 | 3.585% | 3.65% | Get Started |
| 24-Month Certificate2 | $1,000 | 3.682% | 3.75% | Get Started |
| 36-Month Certificate2 | $1,000 | 3.778% | 3.85% | Get Started |
| 60-Month Certificate2 | $1,000 | 3.970% | 4.05% | Get Started |
1. Annual Percentage Yield is accurate as of November 1, 2026 and valid for the stated eight (8) Month Liquid Certificate. The minimum balance to open the account and earn the stated APY is $10,000. Withdrawals of the principal balance from the account are permitted at any time as long as the balance does not fall below the $10,000 minimum balance. Penalty may apply for early account closure.
2. Annual Percentage Yield is accurate as of November 1, 2026 and valid for the stated six (6) month, twelve (12) month, twenty-four (24) month. thirty-sixty (36) month, sixty (60) month term of each certificate. Limited time offer may be withdrawn or modified at any time without notice.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.
Membership is required with a one-time non-refundable $5 fee.
Additional Savings Options
You Name It Savings
Save for a dream vacation, your first home, or any goal you have in mind. You name your goal, and you name the account to stay organized and focused on your financial goals.
*Learn More
SecureEdge Money Market
Introducing the SecureEdge Money Market Account. The smart, secure way to grow your savings. Earn a great APY* while insuring your funds.
*Learn More
Premier Savings (Promotion)
New members earn a high APY* with Premier Savings - a good start to a great relationship. This special promotion is available only in the first 30 days of membership.
*Learn More
Anniversary Savings
Open an Anniversary Savings Account for your chance to win $6,500. Plus, when you open this account at a Meriwest branch, you’ll receive a commemorative Meriwest lunch box, while supplies last.
Start Saving
Money Market Max
If you have $10,000 or more you want to put to work, you can’t beat the Money Market Max! Deposit and withdrawal funds as needed with no time commitment.
*Learn More
Business Savings Accounts
Our Business Savings is designed to help you effectively manage and grow your business with competitive interest rates and flexible features.
Learn MoreJoin 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.
People Usually Ask:
-
How can I get my checking account number?
The best way to access your account number is through Online or Mobile Banking. Simply log in to Online Banking and click the account of your choice. The full account number will be visible.
If you are not signed up for Online Banking, visit your local branch along with a valid photo ID to receive your account number.
Not signed up? Get started with Online Banking for easy access to your accounts anytime, anywhere!
With Online Banking, you can view your account history, make online transfers, access Bill Pay & eStatements...and more! All from the comfort of your own home.
To learn more about the convenience of banking online, please refer to our Online Banking page or enroll today!
-
What are the current certificate rates?
Visit our Rates page for the current certificate 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.
-
What are the penalties for early Certificate (CD) withdrawals?
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. - Do you offer Money Market accounts?