Meridian Trust Federal Credit Union
Headquarters
4349 E Lincolnway
Cheyenne, WY 82001
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2024 Overview
General Credit Union Information
Meridian Trust is an NCUA insured institution located in Cheyenne, WY. It was founded in 1954 and has approximately $681.38 millions in assets.
Who can join?
Meridian Trust membership is open to:
• Employees and Retirees of the State of Wyoming, including the University of Wyoming and Wyoming Department of Transportation
• Military Personnel--Active and Retired
• Employees of All Wyoming Public Schools and School Districts
• Employees of any of our current Select Employee Groups
• People who live, work, worship, or attend school in Carbon, Fremont, Sweetwater, and Uinta counties
• Join Smart Money Community for a $5 fee that is fully refunded when you become a member
• Businesses and other legal entities located within these areas can join
In addition:
• People who live, work, worship, or attend school in Cheyenne Census Tracts 2, 3, 4.02, 7, 10, and 11. These areas cover much of Cheyenne. Map of eligible area (PDF)
• Businesses and other legal entities located within these areas are also eligible
Plus, you can absolutely join if you, or an immediate family member, belong to, work for, or are retired from any of the employers and organizations listed above, as well as any of the SEGs (Select Employee Groups).
And if you don’t see your employer or association listed, that does not mean you can’t join Meridian Trust. It is both easy and free to have your business or organization partner with us.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 9160 |
| Date Established | 1954 |
| Assets | $681.38 million |
| Loans | $508.09 million |
| Deposits | $597.36 million |
| Capital | $76.59 million |
Field of Membership Restrictions
Must be an employee of the State of Wyoming, any Public School or any School District in Wyoming. Also open to those who live, work, worship or attend school in Carbon, Fremont, Sweetwater or Uinta County and select areas of Cheyenne and Goshen Counties in Wyoming or select areas of Scotts Bluff County in Nebraska.
Deposit Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.15% | $2,500 | $2,999 |
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|
|
Money Market
|
0.25% | $10,000 | $14,999 |
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|
|
Money Market
|
0.30% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.15% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.15% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.05% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.05% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.20% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.20% | $100,000 | $199,999 |
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|
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| MaxRewards Checking | 4.00% | $0 | $0.00 | Learn More |
Loan Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Meridian Trust
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.494% | 6.375% | 0.75 | $4,000 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.868% | 6.750% | 1.00 | $3,884 | $2,076 | Learn More |
NMLS ID: 1907 |
7.181% | 7.125% | 0.63 | $1,802 | $2,156 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Meridian Trust
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Meridian Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Meridian Trust Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1103.83 | A | View Lobby Hours | |
| 1156.07 | B | View Lobby Hours | |
| 1159.20 | C | View Lobby Hours | |
| 1289.86 | D | View Lobby Hours | |
| 1378.81 | E | View Lobby Hours |
Climate Policy and Initiatives
MERIDIAN TRUST is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Meridian Trust Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Meridian Trust. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Meridian Trust | U.S. Average |
|---|---|
| 5.21% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Meridian Trust had $3,853,828 in non-current loans and $267,340 in owned assets. To cover these potential losses it had $76,588,015 in net worth and $2,484,887 in loans loss reserves. That gives it a Texas Ratio of 5.21%.
Net Worth
| Meridian Trust | U.S. Average |
|---|---|
| 11.24% | 13.93% |
Meridian Trust FCU has a net worth of 11.24% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Meridian Trust
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