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Overview / Commentary
815 W 18Th St
Merced, CA 95340

MERCO Credit Union is headquartered in Merced and is the 148th largest credit union in the state of California. It is also the 1,527th largest credit union in the nation. It was established in 1966 and as of December of 2017, it had grown to 29 employees and 10,312 members at 4 locations. MERCO Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to anyone who lives in Merced or Mariposa Counties and donate $10 to the Friends of the Library of Merced or the Friends of the Library of Mariposa; employees or retirees of Merced County, the state of California, the U.S. government, or any city, town, or special district paid from or located in Merced County (except the city of Merced).
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Health Grade Components

NCUA #64766
Year Chartered1966
Primary Regulator
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD6.6%
Annual Interest Income$3.3MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$108.8MM$103.4MM
LoansQ4 2017vs Q4 2016$51.4MM$43.5MM
DepositsQ4 2017vs Q4 2016$98.0MM$93.4MM
Equity CapitalQ4 2017vs Q4 2016$10.0MM$9.4MM
Loan Loss AllowanceQ4 2017vs Q4 2016$317.00K$344.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$180.00K$173.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

MERCO Credit Union Savings Account Rates

0.12%*$8k*-Summit Savings
OTHER TIERS: 0.05% Up to $2k | 0.08% $2k - $5k | 0.10% $5k - $8k
0.10%--Holiday Club Account
0.10%$500-IRA Savings
0.10%$500-Coverdell Education Savings Account
0.05%$100-Regular Savings
0.05%--Youth Savings

MERCO Credit Union Money Market Rates

0.25%*$50k*-Premier Money Management Account
OTHER TIERS: 0.10% Up to $20k | 0.15% $20k - $50k
0.15%*$7,500*-Classic Money Management Account
OTHER TIERS: 0.05% Up to $2,500 | 0.10% $2,500 - $7,500

MERCO Credit Union Checking Account Rates

0.05%$500-Checking Account
0.05%$500-Business Checking
0.05%$500-Summit Checking

MERCO Credit Union CD Rates

1.35%$2,500-5 Year Money Fund Share Certificate
0.80%$2,500-2 Year Share Certificate
0.80%$2,500-30 Month Mini-Fund Share Certificate
0.50%$2,500-1 Year Share Certificate
0.30%$1k-6 Month Share Certificate
0.30%$2,500-9 Month Share Certificate

MERCO Credit Union IRA Rates

1.40%$2,500-5 Year IRA Money Fund
0.85%$2,500-2 Year IRA
0.85%$2,500-30 Month IRA Mini-Fund
0.55%$2,500-1 Year IRA
0.35%$1k-6 Month IRA
0.35%$2,500-9 Month IRA

MERCO Credit Union Locations
Branch Office1655 Bellevue RdAtwater, CA 95301-2608
Branch Office1911 M STMerced, CA 95340-3706
Branch Office5011 Coakley CirMariposa, CA 95338-8519
Corporate Office815 W 18th StMerced, CA 95340

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