Come for High-Yield Savings, stay for smarter, easier banking.
Looking for a smarter way to save? Meriwest Credit Union’s high-yield Premier Savings Account is built for new members who want to earn more — with no monthly fees, flexible access, and one of the highest APYs available.
- Earn up to 4.25% APY*
- No monthly maintenance fees
- Easy access to your funds
- No maturity dates or early withdrawal penalties
- NCUA-insured up to $250,000
- Open online in minutes
A flexible way to earn a solid return!
With Meriwest’s Premier Savings, you’ll earn a high yield without the restrictions of traditional certificates. Add or withdraw funds anytime with mobile banking and direct deposit. Just maintain a $100 average daily balance to start earning competitive APYs.*
A new member offer.
Premier Savings is exclusively available to new members within their first 30 days of membership. If you’ve just joined Meriwest, don’t wait — open your Premier Savings account today. Not a member yet? Join now and start your journey with one of the best savings accounts around.
If you have any questions just call 877-637-4937 for more information.
| Balance Account | Dividend Rate | APY* |
|---|---|---|
| $100 - $10,000 | 4.162% | 4.25% |
| $10,001 - $50,000 | 2.225% | 4.25%-2.65% |
| $50,001 + | 1.242% | 2.65%-1.95% |
Available only to new members during the first thirty (30) days from the date of opening a membership.
*APY is Annual Percentage Yield. APY is accurate as of January 1, 2026. Fees may reduce earnings. APY is calculated on the minimum average daily balance in the account each month. The minimum deposit required to open a Premier Savings account is $20. APYs assume a $100,000 minimum average daily balance. Variable rate account, rates may change after the account is opened. Please refer to our current Rate Schedule for applicable dividend rates, APYs and tiers.
Membership is required with a one-time non-refundable $5 fee.
Additional Savings Options
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
Certificate Accounts
IRA options are available for all the certificates and terms. Lock-in these great rates by depositing as little as $1,000 for the 6-36 month terms and start earning more!
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 More
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
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
IRA Accounts
To help you reach your financial goals by the time you're ready for retirement, Meriwest provides insured options for your retirement investing.
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 abovebut 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:
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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!
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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.
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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?