Term Share Certificates

Set aside some money for the future.

Grow your money. Increase your wealth.

Make a deposit in Term Share Certificates to earn a fixed rate of return for a fixed amount of time. Term Share Certificates are a safe way to grow your money and increase your wealth.


  • Peace of Mind. Your Term Share Certificates will continue to grow at a steady, fixed rate.
  • Financial Success. Steadily growing your money will help you create the lifestyle you want for you and your family.
  • Flexibility. Terms range from 6-60 months, so you can choose the timeframe that works for you.
  • Low Minimum Deposit. You can open a Term Share Certificates Account for only $500.

Additional Information

Penalty for early withdrawal

We understand that you may need to tap into your long term savings for unexpected expenses–sometimes life happens. If that’s the case, we allow you to redeem your certificate early for only small penalty. See the “Fees” tab.


6 Months3.74%3.79%
7 Months - SPECIAL RATE (New Money Only)3.97% 4.03%
12 Months3.75%3.80%
13 Months - SPECIAL RATE (New Money Only)3.85%3.91%
18 Months 2.75%2.78%
24 Months2.25%2.27%
25 Months - SPECIAL RATE (New Money Only)2.35%2.37%
36 Months1.75%1.76%
48 Months1.50%1.51%
60 Months1.45%1.46%

APY = Annual Percentage Yield. Penalties may be imposed for early withdrawal. Fees could reduce earnings on your account. SPECIAL RATES are available for new money only, not from money currently held at Meridia,

Updated May 27, 2024


The accuracy of our calculators and their applicability to your circumstances are not guaranteed. You should consult with a qualified professional regarding your particular circumstances.

Interest Rate
Times Compounded / Yr
Total Savings$


Early Termination: Certificate Terms 12 months or less Penalty equal to 90 days' dividends
Early Termination: Certificate Terms >12 months Penalty equal to 180 days' dividends
Other fees may apply. Refer to our full fee schedule for further information. Fees could reduce earnings on your account.

Earn a Higher Return

With as little as $500, you can start making your money work for you.