Credit Cards

If you’re a practical person, someone who is smart about money, then you’re going to want to get and use the Meridian Trust Visa Credit Card. It just makes sense. If you’re the type of person who happens to carry a balance from month to month, then you’ll certainly appreciate the low interest rate. That will save you a lot of money over time. If you’re someone who pays off their balance each month, then you’ll appreciate the fact that there’s no annual fee. And no matter who you are, we’re certain you’ll appreciate the fact that if you have any questions about your credit card, that you can reach out to your local credit union personnel, the same people you interact with regularly. Now that’s smart!

  • Carrying a Meridian Trust Visa Credit Card has many advantages, including:

    • No annual fee
    • A low fixed rate
    • No cash advance fee
    • No balance transfer fee
    • Worldwide acceptance
    • Local service
    • Our Platinum Credit Cards come with Rewards, learn more below.
    Image of Classic Credit Card
    Classic Visa Credit Card

    Image of Platinum Visa Credit Card
    Platinum Visa Credit Card


    You can use your card with confidence. The Meridian Trust Visa Credit Card is accepted everywhere and you will have zero liability if you contact us promptly if the card is lost or stolen. Our credit cards include EMV Chip for security, learn more below.

    Button image, it says "Apply Now"

    Lost or stolen credit card? Call 1.800.682.6075 (within the U.S. and Canada), 206.352.3517 (outside the U.S. and Canada, call collect) or log into your online banking account.

    Activate a credit card? Call 1.800.411.6390 (within the U.S. and Canada), 206.352.3477 (Outside the U.S. and Canada, call collect) or log into your online banking account.

    Traveling? Call 1.800.726.5644 (within the U.S. and Canada).

    After Hours Decline Line: Call 1.888.526.0404 (within U.S. and Canada) or 206.352.4954 (outside the U.S. and Canada, call collect).

    Meridian Trust uses Card Member Security to monitor activity on our members' credit cards and will notify us, and you, of any suspicious transactions. When fraudulent card activity is suspected you will be contacted immediately by a fraud analyst to verify the transaction.

    Meridian Trust offers Verified by Visa to put you in control when shopping online. Verified by Visa is a free service offering secure Internet shopping at many online stores allowing you to add a personal password to your existing credit card, getting added security and the reassurance that only you can use your card online. Register your credit card with Verified by Visa.

    Rates (Fixed Rate)

    Purchases (Rates APR*) Cash Advance & Balance Transfers (Rates APR*)
    Through 1/31/2019 Effective 2/1/2019 Through 1/31/2019 Effective 2/1/2019
    Platinum 9.90% 10.99% 9.90% 10.99%
    Classic 12.90% 14.99% 12.90% 14.99%

    *Annual Percentage Rate. Rates shown are effective October 16, 2018. All rates are subject to change without notice.

    Classic Card issued to qualifying members with credit scores up to 680; Platinum Card issued to qualifying members with credit scores 680 or above.

    Penalty APR None
    Minimum Interest Charge None
    How to Avoid Paying Interest on Purchases Your due date is at least 28 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
    For Credit Card Tips from the Consumer Financial Protection Bureau To learn about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau website.
    Annual Fee None
    Transaction Fees
    • Foreign Transaction Fee
    1.00% of each transaction in U.S. dollars
    Cash Advance Fee** 3.00% of transaction amount 
    Penalty Fees
    • Late payment
    • Returned payment
    $25 if you are more than 10 days late

    *APR=Annual Percentage Rate. Rates effective October 18, 2018. Age 18 or older, membership and credit qualification required. Rates subject to change without notice.
    **Cash Advance Fee of 3.00% of transaction amount is effective on January 1st, 2019.

    Credit qualification, age 18 or older, and membership required.

  • Meridian Trust's Visa Platinum Credit Card Earns You Rewards

    The Meridian Trust Visa Platinum Credit Card comes with Rewards. MyMeridian™ Rewards include your choice of Cash, Gift Certificates, Gift Cards, and Travel Rewards. The Platinum Rewards Card has No Annual Fee, No Balance Transfer Fees, and Low Rates.

    To learn more about the rewards program*, visit MyMeridian™ Rewards.

    Button with text stating "apply now"

    *Rewards available on Meridian Trust Visa Platinum Credit Card only. Not available on Visa Classic Credit Cards, Visa Business Credit Cards, or Visa HELOC Cards. Rewards points earned on valid purchases only. Rewards not earned on cash advances or balance transfers. Points deducted for returns. Points expire 36 months after purchase date, if not redeemed. Age 18 or older, membership and credit qualification required. Complete program rules at

  • Because your security is important to us, all Meridian Trust Credit Cards feature EMV Chip technology.

    The EMV cards add improved security and fraud protection for you, with an embedded computer chip that works with the EMV card reader technology. This technology is securing payment cards in countries around the world and has been adopted as the card standard in the United States. You still may be required to enter your card’s PIN or sign for transactions. Your card will also work on payment terminals that require a swipe of the magnetic strip.

  • Tired of looking for places to purchase foreign currency for your trip? Whether you need Euros or Yuan, Meridian Trust can get you the currency you need for your travels.

    Travelex’s My Travel Wallet :

    • Is an online ordering application through which travelers can access a full range of travel money products and services
    • Makes it easy to get foreign currency at current market rates
    • Offers competitive foreign exchange rates on over 70 currencies with no fees to order.
    • Includes a “Buy Back” envelope for easy reimbursement of unused currency.
    • Orders can be placed online 24 hours a day and payment can be made by either Debit or Credit Card

    Meridian Trust has partnered with Travelex, the world leader in foreign currency and travel cash products.

    Foreign currency can be delivered directly to your doorstep.

    Get Access to International ATMs with Cash Passport

    Cash Passport is a PIN-protected prepaid currency card available in EUR, GBP, and many others. It provides access to local currencies at ATMs worldwide and can be used at point of sale wherever Debit Cards are accepted.

    Learn more or order your foreign currency at Travelex.

Read the Visa Credit Card Agreement (PDF)

Read the Visa Platinum Disclosures - Effective thru January 31, 2019 (PDF)
Read the Visa Platinum Disclosures - Effective as of February 1, 2019 (PDF)

Read the Visa Classic Disclosures  - Effective thru January 31, 2019 (PDF)
Read the Visa Classic Disclosures  - Effective as of February 1, 2019 (PDF)

For more information on EMV Chip Cards, Credit Card Rewards, or to apply for your credit card; stop by your local branch, call 1.800.726.5644 or email us.