# Meritrust Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/meritrust-credit-union
Institution: Meritrust Credit Union (NCUA 62574)
Aliases: 
Status: live
Last verified: 2026-10-23T11:34:21.000Z (October 23, 2026)
Official source: https://colorado.meritrust.org/personal/rates/
Coverage: 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.
Treasury comparison date: 2026-10-22. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share and IRA Certificates | standard | 6 months | $500 | 3.50% | Not ZIP-priced | −0.84% | 2026-10-23T11:34:21.000Z | [Snapshot 1030](https://apyledger.com/snapshots/1030) |
| 10 Month Certificate | promotional | 10 months | $500 | 4.00% | Not ZIP-priced | −0.42% | 2026-10-23T11:34:21.000Z | [Snapshot 1030](https://apyledger.com/snapshots/1030) |
| Share and IRA Certificates | standard | 12 months | $500 | 3.50% | Not ZIP-priced | −0.96% | 2026-10-23T11:34:21.000Z | [Snapshot 1030](https://apyledger.com/snapshots/1030) |
| Share and IRA Certificates | standard | 18 months | $500 | 3.50% | Not ZIP-priced | −1.08% | 2026-10-23T11:34:21.000Z | [Snapshot 1030](https://apyledger.com/snapshots/1030) |
| Share and IRA Certificates | standard | 24 months | $500 | 3.50% | Not ZIP-priced | −1.20% | 2026-10-23T11:34:21.000Z | [Snapshot 1030](https://apyledger.com/snapshots/1030) |
| Share and IRA Certificates | standard | 36 months | $500 | 3.50% | Not ZIP-priced | −1.28% | 2026-10-23T11:34:21.000Z | [Snapshot 1030](https://apyledger.com/snapshots/1030) |
| Share and IRA Certificates | standard | 48 months | $500 | 3.50% | Not ZIP-priced | −1.31% | 2026-10-23T11:34:21.000Z | [Snapshot 1030](https://apyledger.com/snapshots/1030) |
| Share and IRA Certificates | standard | 60 months | $500 | 3.50% | Not ZIP-priced | −1.34% | 2026-10-23T11:34:21.000Z | [Snapshot 1030](https://apyledger.com/snapshots/1030) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.