Take control of your financial future

It’s easy to start saving for retirement today

Now there’s an easy way to save for retirement! The MERIT Program is a flexible, secure, and seamless way to strengthen your financial future. Already enrolled? Set up your account today.

See how it grows

With MERIT, your monthly investment could potentially grow over time. Use our retirement calculator to see what your financial future could look like.

Build your future with the MERIT Program

MERIT is a retirement savings program that puts you in control of your financial future. This is an opportunity to invest in yourself. With MERIT, you’ll have your own retirement savings account where you control how much you contribute.

  • It’s easy. Once you’re added to the program, you’ll be signed up automatically for payroll contributions, unless you choose to opt out.

  • You’re in control. Decide how much you’d like to contribute each month from your paycheck, after taxes are deducted.

  • It’s your money and account. If you change jobs, or leave your job, your money and your account go with you.

  • Map your financial future. MERIT offers tools and resources to help you maximize your savings in retirement and reach your financial goals.

  • It’s smart. Your contribution rate will automatically increase by 1% each year until it reaches 10%, unless you choose otherwise.

See program details

More than a quarter of American workers have no money set aside for retirement.1 Start saving today.

Still have questions?
We have answers in our FAQs.

Read the FAQs

Prefer to opt out?

Participation in MERIT is completely voluntary. You can opt out or re-enroll in the program whenever you’re ready.

Opt out


1. “Your Evening Briefing: One in Four Americans Have No Retirement Savings,” Bloomberg, 17 April 2023. https://www.bloomberg.com/news/newsletters/2023-04-17/bloomberg-evening-briefing-one-in-four-americans-have-no-retirement-savings