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Meridian Trust Credit Union

Overview
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Meridian Trust Credit Union is a federal credit union based in Cheyenne, Wyoming. It has been opened since 1954, for 66 years.

With around $400,540,000 in assets, Meridian Trust Credit Union is considered to be a very large credit union. It has 5 branches and 7 ATM locations.

About
Address 4349 E. Lincolnway
Cheyenne, Wyoming 82001
Website http://www.meridiantrustfcu.org
Phone (307) 635-7878
Fax (307) 633-6426
CEO Kimberley Withers
President of the Board Robert Beavers
Services Offered
Map
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Score Card
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66 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
27,812 members
Membership type: Multiple common bond – primary federal, state, local government
Above average number of members
325:1
Credit union member to staff ratio
325 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$400,544,776
Total assets
Above average
5 branches
Compared with an average of 4 nationally and 2 in Wyoming
Above average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
9.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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5 branches
Compared with an average of 4 nationally and 2 in Wyoming
Above average number of branches
Meridian Trust Credit Union Branch Locations

Meridian Trust Credit Union: Meridian-Rawlins
1817 Mahoney Street
Rawlins, Wyoming 82301
ATM Available
Meridian Trust Credit Union: Meridian-East
4349 E. Lincolnway
Cheyenne, Wyoming 82001
ATM Available
Meridian Trust Credit Union: Meridian-Main
2223 Warren Avenue
Cheyenne, Wyoming 82001
ATM Available
Meridian Trust Credit Union: Meridian-Lander
873 Main Street
Lander, Wyoming 82520
ATM Available
Meridian Trust Credit Union: Meridian - Scottsbluff
3321 Avenue I.
Scottsbluff, Nebraska 69361
ATM Available
Members
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27,812 members
Membership type: Multiple common bond – primary federal, state, local government
Above average number of members

With 27,812 members, the Meridian Trust Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 86% of credit unions.

Fees
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$46
Average fee per member
The average fee per member at the Meridian Trust Credit Union is $46, which is comparable to most credit unions. This rate is lower than 52% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Meridian Trust Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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325:1
Credit union member to staff ratio
325 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
86 staff members
FTE (full-time equivalent)
1% of employees are part-time
85 full-time, 1 part-time

Meridian Trust Credit Union has 85 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 99% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Meridian Trust Credit Union has around 325 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets
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$400,544,776
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
11.1%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$16,554
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 84% of credit unions.

Meridian Trust Credit Union holds a total of $319,660,000 in loans and leases, which is about $16,554 per member on average.

Savings interest rate
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0.10%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Meridian Trust Credit Union pays 0.10%.

Loan rates
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9.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.75%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.44%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.50%
New car loan rate
Compared to 4.0% nationally
4.00%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.50%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.95%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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