High-Yield Savings
4.35%APY, variable
- No monthly fee
- No minimum balance
- Unlimited transfers
Savings
Watch your savings grow
Earn up to 4.35% APY with High-Yield Savings – no monthly fees, no minimums.
Savings that fit every goal
Whether you’re building an emergency fund, saving for a home or putting money aside for your kids, Meridien has a savings account to match. High-Yield Savings gives you a competitive variable rate with instant access, while Certificates of Deposit lock in a guaranteed rate for a fixed term.
Set up automatic transfers from checking on payday, create named savings goals and watch your progress in the app. There are no monthly fees on any of our savings accounts.
Savings accounts
Certificates of Deposit
4.60%APY on 12-month term
- Terms from 3 to 60 months
- Fixed rate guaranteed
- $500 minimum
Kids & Teen Savings
3.00%APY up to $5,000
- For ages 0–17
- Parent-controlled
- Savings goals & badges
Savings calculator
See how your money could grow with regular deposits.
Savings vs. CDs: which is right for you?
| High-Yield Savings | Certificate of Deposit | |
|---|---|---|
| Rate | Variable – can change | Fixed for the term |
| Access to money | Anytime | At maturity (penalty for early withdrawal) |
| Minimum deposit | $0 | $500 |
| Best for | Emergency funds & flexible goals | Money you won’t need for a set time |
Build a savings habit in 3 steps
Pick a goal
Name it and set a target amount and date.
Automate it
Schedule a transfer for the day after payday.
Watch it grow
Track progress and interest earned in the app.
Frequently asked questions
Interest is compounded daily and paid monthly on all savings accounts.
No. Transfer money out of High-Yield Savings as often as you need.
Important information
- Annual Percentage Yields (APYs) are accurate as of the date shown. High-Yield Savings rates are variable and may change after the account is opened.
- CD early withdrawal penalties apply. Fees could reduce earnings.