Primary Savings

Go beyond ordinary and open a world of opportunity
with a great rate to build the foundation
of your financial wellness.

Build the foundation of your financial wellness.

Our Primary Savings is not just savings, it’s your key to membership at Meridia–which turns into the key to your new car, the key to your new home, and, ultimately, the key to living well.


  • Safety: Federally insured by NCUA.
  • Membership: Establishes your membership at Meridia with a minimum deposit of just $5.
  • Save for a Rainy Day: Have funds available if you fall on hard times.
  • Grow Your Wealth: Earns a higher dividend on balances up to $1,000.
  • Convenience: Deposit into your Savings Account via cash, transfers, payroll deduction, or electronically.

The Primary Share is a great way to designate an Emergency Savings Fund. Keep a $1,000 on deposit as your financial back-up plan, and earn our best available deposit rate.


Balance up to $1,0004.00%4.06%
Balances above $1,000 earn Regular Savings Rate0.30%0.30%

APY = Annual Percentage Yield. Primary Share account is paid dividends based on a split rate tier structure and the account's average daily balance for the quarter. These two calculations are combined to provide an APYE (annual percentage yield earned) for your quarterly dividend. The combined dividend is shown as a split rate on your statement. Fees could reduce earnings on your account. Dividend rates may change at any time.

Updated May 28, 2024


Interest Rate
Times Compounded / Yr
Total Savings$


Transfers in excess of 6 per mo.
Non-Sufficient Funds
per item
Other fees may apply.

Frequently Asked Questions

Are savings deposits insured?

Yes. On July 22, 2010, the $250,000 federal insurance protection became permanent. Properly established member accounts in federally insured credit unions are insured up to the Standard Maximum Share Insurance Amount (SMSIA). The basic insurance amount is $250,000 per individual account holder, per federally insured credit union. This includes principal and posted dividends up to a total of $250,000. Joint account holders are insured up to $250,000 per joint account holder, per federally insured credit union. For example, an account with two joint account holders is insured for $500,000 separately from the holders’ individual accounts. This includes principal and posted dividends. Individual retirement accounts (IRA) and KEOGH accounts are insured separate from other accounts and up to $250,000 per institution, including principal and posted dividends.

What if I have more than one account with Meridia?

If you have additional account numbers at Meridia, only your oldest account will have a Primary Share. There is only one Primary Share per social security number. Other accounts under the primary social security number will have a Regular Share and earn  it’s respective dividend.

Do I need to do anything to add a Primary Share to my Meridia account?

No! A Primary Share will show up on your oldest account if you have multiple accounts with Meridia. Only one Primary Share per primary social security number, so other accounts under your social security number as primary member will retain the Regular Share.

Go Beyond Ordinary, Start Saving

Saving and earning interest on your money will help you create the financial freedom you want for yourself and your family.