Meridian Trust Federal Credit Union Membership Perks We Love

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Who Is Meridian Trust Federal Credit Union? 🤔

Meridian Trust Federal Credit Union is a not-for-profit financial institution serving members in Wyoming, Nebraska, and Colorado since 1954. As a member-owned credit union, it offers competitive rates, low fees, and a full range of banking services—from checking accounts to home loans. Deposits are federally insured by the NCUA.

Perks We 💚 From Them

Being a member of Meridian Trust Federal Credit Union means you’re part of a community-focused financial institution. With practical benefits that support everyday financial needs—whether it’s earning more on your money or avoiding unnecessary fees—Meridian Trust offers real value. Here are a few membership perks we find genuinely useful:

💸 4.00% APY on Free Checking

For those looking to earn more on their money without locking it up in a savings account, Meridian Trust’s free checking account offers 4.00% APY on balances up to $25,000. To qualify for the 4.00% APY, you must simply:

• Keep a $1,000 minimum balance on your account.
• Make a minimum of 10 monthly debit card purchases of $5 or more.
• Be enrolled in and receive eStatements.
• Set up one monthly direct deposit.

Learn more about Meridian Trust's MaxRewards Free Checking.

🚗 Auto Loans with Competitive Rates

Members can access auto loan rates starting at 4.74% APR, which can be helpful if you’re buying new, used, or refinancing. Applications can be started online and decisions are typically local and quick. Learn more about MTFCU's vehicle loan options.

💼 Reverse Tier Money Market

Unlike most money market accounts that only reward high balances, Meridian Trust flips the model with its Reverse Tier Money Market Account. It pays the highest interest on lower balances—which is ideal if you're just starting to build savings but still want a solid return.

Here’s how it breaks down:

Additional features include:

• No monthly service fees
• No minimum balance required to open
• Funds remain liquid and accessible

This account could be a smart fit for members who want to keep emergency savings accessible while still earning more than the national average interest rate. Read our full review on MTFCU's Reverse Tier Money Market Account. View full details and disclosures here.

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How do I Qualify for MTFCU Membership?

You can join Meridian Trust Federal Credit Union if you meet any of the following:

• Live, work, worship, or attend school in eligible areas of Wyoming, Nebraska, or Colorado
• Work for or are retired from a Select Employer Group (e.g. State of Wyoming, University of Wyoming, WYDOT, public schools, military)
• Have an immediate family member who is already a member

Check eligibility here.

Where Do I Sign Up? 👀

You can sign up for MTFCU membership through Debbie! MTFCU has partnered with Debbie to offer extra cash rewards for signing up for their accounts and reaching your financial goals (like paying off debt and saving). To get access, sign up for the Debbie app, to start the account opening process and earn your first $5.

Meet Debbie 💚

Debbie is where you start your journey to financial freedom. It’s the program that guides, motivates, and rewards you for paying off debt and saving! Debbie users have paid off 3x more debt than the average borrower, as well as saved around $100/month on average. Do you want to be part of this elite crowd? 👀 Join now at joindebbie.com to start earning cash rewards now!

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Advertiser Disclosure: Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners.

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