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!

For those who qualify for the Meridian Trust Platinum Card, you'll enjoy the benefits of MyMeridian Rewards. This program allows you to earn 1 point for every 1 qualified dollar spent. You can accumulate points to redeem later for your choice of: Cash; Gift Certificates; Merchandise; and Travel. Points earned expire 36 months after purchase date, if not redeemed. For complete program rules and to see the award catalog online, visit our Credit Card Rewards page.

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

    • No annual fee
    • A low fixed rate
    • No balance transfer fee
    • Worldwide acceptance
    • Local service
    • Our Platinum Credit Cards come with Rewards, learn more today.
    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 1.888.297.3416  (within the U.S. and Canada), 1.206.389.5200  (outside the U.S. and Canada, call collect) or log into your online banking account.

    Activate a credit card? Call 1.800.290.7893 (within the U.S. and Canada), 206.624.7998 (Outside the U.S. and Canada, call collect) or log into your online banking account.

    Set or change your PIN number on your debit card:  Call 1.800.290.7893 (within the U.S and Canada) or 206.624.7998 (outside the U.S. and Canada, call collect).

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

    After Hours Decline Line: Call 1.855.854.5468

    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*)
    Platinum 10.99% 10.99%
    Classic 14.99% 14.99%

    *Annual Percentage Rate. Rates shown are effective June 17, 2019. 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.

    INTEREST CHARGES
    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.
    FEES
    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
    $25

    *APR=Annual Percentage Rate. Rates effective February 1st, 2019. 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.

  • 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 (PDF)
Read the Visa Classic Disclosures (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.