Update 12/6/25: Rate is now 4% again and also comes with a $200 bonus. $200 bonus requires the following:
- within 30 days of account opening you must sign up for eStatements, direct deposit, and online banking
Valid until 12/31/25. Hat tip to reader bockrr
Update 1/2/22: Down to 3% now
Offer at a glance
- Interest Rate: 4% APY
- Minimum Balance: $1,000
- Maximum Balance: $15,000
- Availability: Seems to be in branch only. All branches locations are in WY & NE
- Direct deposit required: Yes
- Additional requirements: See below
- Hard/soft pull: Unknown
- ChexSystems: Unknown
- Credit card funding: Unknown, unlikely due to in branch
- Monthly fees: None
- Insured: NCUA
The Offer
- Meridian Trust Federal Credit Union is offering a 4% APY on balances up to $15,000 on their max rewards checking account when you complete the following requirements:
- Keep a $1,000 minimum balance in your checking account
- Make a minimum of 10 debit card purchases of $5 or more posted to your account during the month
- Sign up for eStatements
- Set up one monthly direct deposit
Avoiding Fees
This account has no monthly fees to worry about
Our Verdict
They also have a referral bonus for $25. Feel free to share your referral information in the comments, please make sure to also share your experiences with this bank otherwise we will delete your referral information. Seems like a good deal if it’s a soft pull as well. I’ll add this to the best high interest accounts page.
