Rates

Rates effective as of 2/3/2025. APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings.

Account Rates

Savings Learn More

Account Minimum Opening Deposit Minimum to Earn Dividends Rate APY
Share Savings $25 $100 0.01% 0.01%
IRA Share Savings (Roth and Traditional) $50 $100 0.01% 0.01%
Vacation Club $25 $100 0.01% 0.01%
Christmas Club $25 $100 0.01% 0.01%
Health Savings Account1 none $500 0.01% 0.01%

1Visit the IRS website for Health Savings Account eligibility and rules.

Kasasa Saver® Learn More

Balance Rate APY
On balances up to and including $50,000 0.75% 0.75%
On balances over $50,000 0.25% 0.75% to 0.42%
All balances if qualifications not met  0.05% 0.05%

Penalties may apply for early withdrawal on term share accounts. View the disclosure here for Kasasa Saver® accounts linked to Kasasa Cash Back® accounts. View the disclosure here for Kasasa Saver® accounts linked to Kasasa Cash® accounts.

Checking Learn More

Account Minimum Opening Deposit Minimum to Earn Dividends Rate APY
Value Checking $25 $500 0.01% 0.01%

Kasasa Cash® Checking Learn More

Balance Rate APY
On balances up to and including $15,000 4.89% 5.00%
On balances over $15,000 0.25% 5.00% to 0.87%
All balances if qualifications not met 0.05% 0.05%

APY= Annual Percentage Yield. Fees may reduce earnings. Dividend rates are subject to change after account opening. View the Kasasa Cash disclosure here. 

Share Certificates Learn More

Term Minimum Opening Deposit Minimum to Earn Dividends Rate APY
6 Months $2,500 $2,500 2.00% 2.01%
12 Months $2,500 $2,500 3.50% 3.50%
24 Months $2,500 $2,500 3.00% 3.00%
36 Months $2,500 $2,500 3.25% 3.25%

Penalties may apply for early withdrawal on term share accounts.

IRA Share Certificates Learn More

Term Minimum to Open Minimum to Earn Dividends Rate APY
12 Month IRA $50 $2,500 3.50% 3.50%
24 Month IRA $50 $2,500 3.00% 3.00%
36 Month IRA $50 $2,500 3.25% 3.25%

Penalties may apply for early withdrawal on term share accounts.

Money Market Savings Accounts Learn More

Minimum Opening Deposit Minimum Balance to Earn Dividends Rate APY
$0.00 - $2,499.99 $0.01 0.10% 0.10%
$2,500 - $24,999.99 $0.01 0.25% 0.25%
$25,000 - $49,999.99 $0.01 0.52% 0.52%
$50,000.00 or greater $0.01 0.56% 0.56%

APY=Annual Percentage Yield. Fees may reduce earnings. Dividend rates are subject to change after account opening.

Loan Rates

New Auto Loans Learn More

Term APR (as low as) Financing Payment per $1000
up to 60 months 5.00% up to 115% $18.87
72 months (min. $15,000) 5.25% up to 115% $16.22
84 months (min. $25,000) 6.75% up to 115% $14.97

Your APR will be determined based on our internal credit criteria. Listed APR’s assume excellent credit rating. Minimum and maximum loan amounts or credit limits may apply. Your APR may differ based on your loan amount, repayment method, and other factors. APR examples, shown above, do not include the $35 Document Preparation Fee that is charged with this type of loan. Actual APR could be higher.

Used Auto Loans

Term APR (as low as) Financing Payment per $1000
up to 60 months 6.00% up to 115% $19.33
72 months (min. $15,000) 6.50% up to 115% $16.81
84 months (min. $25,000) 7.75% up to 115% $15.46

Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit rating. Minimum and maximum loan amounts or credit limits apply. Minimum and maximum loan amounts may apply. Your APR may differ based on your loan amount, repayment method, and other factors.

New RVs, Travel Trailers & Boats Learn More

Term APR (as low as) Financing Payment per $1000
up to 48 months 6.50% up to 115% $23.77
60 months (min. $10,000) 5.99% up to 115% $19.37
84 months (min. $10,000) 5.99% up to 115% $14.64
120 months (min. $10,000) 5.99% up to 115% $11.12
144 months (min. $25,000) 7.50% up to 115% $10.58
180 months (min. $30,000) 7.75% up to 115% $9.44

Your APR will be determined based on our internal credit criteria. Listed APR’s assume excellent credit rating. Minimum and maximum loan amounts or credit limits may apply. Your APR may differ based on your loan amount, repayment method, and other factors. APR examples, shown above, do not include the $35 Document Preparation Fee that is charged with this type of loan. Actual APR could be higher.

Used RVs, Travel Trailers & Boats

Term APR (as low as) Financing Payment per $1000
up to 48 months 7.50% up to 115% $24.25
60 months (min. $10,000) 6.74% up to 115% $19.73
84 months (min. $10,000) 6.74% up to 115% $15.00
120 months (min. $20,000) 6.74% up to 115% $11.51
144 months (min. $25,000) 8.50% up to 115% $11.14

Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit rating. Minimum and maximum loan amounts or credit limits apply. Minimum and maximum loan amounts may apply. Your APR may differ based on your loan amount, repayment method, and other factors.

New Jet Skis, ATVs & Motorcycles Learn More

Term APR (as low as) Financing Payment per $1000
up to 36 months 6.00% up to 115% $30.42
48 months (min. $5,000) 6.25% up to 115% $23.60
60 months (min. $10,000) 6.75% up to 115% $19.68
72 months (min. $25,000) 7.50% up to 115% $17.29

Your APR will be determined based on our internal credit criteria. Listed APR’s assume excellent credit rating. Minimum and maximum loan amounts or credit limits may apply. Your APR may differ based on your loan amount, repayment method, and other factors. APR examples, shown above, do not include the $35 Document Preparation Fee that is charged with this type of loan. Actual APR could be higher.

Used Jet Skis, ATVs & Motorcycles

Term APR (as low as) Financing Payment per $1000
up to 36 months 7.00% up to 115% $30.88
48 months (min. $5,000) 7.25% up to 115% $24.06
60 months (min. $10,000) 7.75% up to 115% $20.16

Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit rating. Minimum and maximum loan amounts or credit limits apply. Minimum and maximum loan amounts may apply. Your APR may differ based on your loan amount, repayment method, and other factors.

Personal Loans Learn More

Type Term APR (as low as)
Signature Unsecured Loan up to 60 months 11.00%
Share/Savings Secured Loan up to 120 months 2.01%

Your APR will be determined based on our internal credit criteria. Listed APR’s assume excellent credit rating. Minimum and maximum loan amounts or credit limits may apply. Your APR may differ based on your loan amount, repayment method, and other factors. APR examples, shown above, do not include the $35 Document Preparation Fee that is charged with this type of loan. Actual APR could be higher.

Home Loans Learn More

Buy, build, renovate or refinance with Meritus Credit Union. 

Type Get Started Rates
Mortgages Apply online Call our Mortgage Team at 337.989.2800.
Home Equity Line of Credit (HELOC)
Land/Lot
Construction
Refinancing