Meritrust Credit Union CD & Share Certificate Rates — October 2026
As of October 23, 2026, Meritrust Credit Union's highest tracked CD (share certificate) rate is 4.00% APY on a 10-month promotional CD ($500 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.50% to 3.50% APY.
Tracking began .
Meritrust Credit Union CD & share certificate rates
Colorado-market personal share certificate quotes with a $500 minimum. Credit union membership and eligibility requirements apply; this source does not supply complete jumbo certificate quotes. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | Share and IRA Certificates | $500 | 3.50%Free rate alert | −0.84% | Top 48% of tracked 6-month CDs · Verified October 23, 2026 |
| 10 months | 10 Month Certificate Promotional | $500 | 4.00%Free rate alert | −0.42% | Verified October 23, 2026 |
| 12 months | Share and IRA Certificates | $500 | 3.50%Free rate alert | −0.96% | Top 56% of tracked 12-month CDs · Verified October 23, 2026 |
| 18 months | Share and IRA Certificates | $500 | 3.50%Free rate alert | −1.08% | Top 51% of tracked 18-month CDs · Verified October 23, 2026 |
| 24 months | Share and IRA Certificates | $500 | 3.50%Free rate alert | −1.20% | Top 49% of tracked 24-month CDs · Verified October 23, 2026 |
| 36 months | Share and IRA Certificates | $500 | 3.50%Free rate alert | −1.28% | Top 39% of tracked 36-month CDs · Verified October 23, 2026 |
| 48 months | Share and IRA Certificates | $500 | 3.50%Free rate alert | −1.31% | Top 35% of tracked 48-month CDs · Verified October 23, 2026 |
| 60 months | Share and IRA Certificates | $500 | 3.50%Free rate alert | −1.34% | Top 40% of tracked 60-month CDs · Verified October 23, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.00% APY (10 months). The standard rate for a similar term is 3.50% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $50 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Meritrust Credit Union's best CD rates by term?
Meritrust Credit Union's best rate is 4.00% APY on 10 months, verified October 23, 2026.
- 6 mo3.50%
- 10 mo4.00%
- 12 mo3.50%
- 18 mo3.50%
- 24 mo3.50%
- 36 mo3.50%
- 48 mo3.50%
- 60 mo3.50%
How much interest could a Meritrust Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$332.05 interest · $10,332.05 at maturity on $10,000.00.
4.00% APY · 10 months · 10 Month Certificate · Promotional · verified October 23, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $86.993.50% APY · Share and IRA Certificates · Standard | $173.973.50% APY · Share and IRA Certificates · Standard | $434.943.50% APY · Share and IRA Certificates · Standard | $869.873.50% APY · Share and IRA Certificates · Standard |
| 10 months | $166.034.00% APY · 10 Month Certificate · Promotional | $332.054.00% APY · 10 Month Certificate · Promotional | $830.144.00% APY · 10 Month Certificate · Promotional | $1,660.274.00% APY · 10 Month Certificate · Promotional |
| 12 months | $175.003.50% APY · Share and IRA Certificates · Standard | $350.003.50% APY · Share and IRA Certificates · Standard | $875.003.50% APY · Share and IRA Certificates · Standard | $1,750.003.50% APY · Share and IRA Certificates · Standard |
| 18 months | $265.033.50% APY · Share and IRA Certificates · Standard | $530.063.50% APY · Share and IRA Certificates · Standard | $1,325.163.50% APY · Share and IRA Certificates · Standard | $2,650.323.50% APY · Share and IRA Certificates · Standard |
| 24 months | $356.123.50% APY · Share and IRA Certificates · Standard | $712.253.50% APY · Share and IRA Certificates · Standard | $1,780.623.50% APY · Share and IRA Certificates · Standard | $3,561.253.50% APY · Share and IRA Certificates · Standard |
| 36 months | $543.593.50% APY · Share and IRA Certificates · Standard | $1,087.183.50% APY · Share and IRA Certificates · Standard | $2,717.953.50% APY · Share and IRA Certificates · Standard | $5,435.893.50% APY · Share and IRA Certificates · Standard |
| 48 months | $737.623.50% APY · Share and IRA Certificates · Standard | $1,475.233.50% APY · Share and IRA Certificates · Standard | $3,688.083.50% APY · Share and IRA Certificates · Standard | $7,376.153.50% APY · Share and IRA Certificates · Standard |
| 60 months | $938.433.50% APY · Share and IRA Certificates · Standard | $1,876.863.50% APY · Share and IRA Certificates · Standard | $4,692.163.50% APY · Share and IRA Certificates · Standard | $9,384.323.50% APY · Share and IRA Certificates · Standard |
How Meritrust Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 304-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 16 of 44 tracked institutions with fresh 304-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Meritrust Credit Union (this institution)10 Month Certificate · Promotional | 10 months | $500 | Membership required · branches in CO | 4.00% | October 23, 2026 |
| American Express National BankCertificate of Deposit (CD) · Promotional | 10 months | Not stated | Available nationwide | 4.40% | October 22, 2026 |
| BOK Financial (Bank of Oklahoma)Promotional CD · Promotional | 10 months | $1,000 | Branches in 8 states | 4.15% | October 22, 2026 |
| Community First Credit Union (highest tracked APY for this term)CD Special: Pick Your Term · Promotional | 10 months | $5,000 | Membership required · branches in WI | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 10 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.42% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking Meritrust Credit Union on October 23, 2026.
About Meritrust Credit Union
- Legal name
- Meritrust Credit Union
- Regulator ID
- NCUA 62574
- Headquarters
- Broomfield, CO
- Available in
- CO
- Total assets
- $4.1 billion
- Also known as
- Website
- www.pmcu.org
Source: rates read from https://colorado.meritrust.org/personal/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Meritrust Credit Union?
Among the rates we track, 4.00% APY on a 10-month promotional CD, as of October 23, 2026.
What is the minimum deposit for a Meritrust Credit Union CD?
The lowest minimum we found is $500.
How does Meritrust Credit Union's best CD rate compare with Treasury yields?
4.00% APY is −0.42% versus the 10-month Treasury yield of 4.42% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.3 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Meritrust Credit Union CDs insured?
Meritrust Credit Union is a federally insured credit union (NCUA 62574). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Meritrust Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Meritrust Credit Union's rate page every day. The rates above were last verified on October 23, 2026.
More credit union certificate rates
Rates are copied from Meritrust Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Meritrust Credit Union before opening an account. This page is not financial advice.