Featured Savings Rates
Featured Accounts

MERCO Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.20%5-year CD5 Year Money Fund Share Certificate
0.40%1-year CD1 Year Share Certificate
0.05%SavingsRegular Savings

Overview / Commentary
800-273-4993
1911 M ST
Merced, CA 95340-3706

MERCO Credit Union is headquartered in Merced and is the 150th largest credit union in the state of California. It is also the 1,554th largest credit union in the nation. It was established in 1966 and as of March of 2017, it had grown to 29 employees and 10,087 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).
See current membership details

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Health

Health Grade Components

Overall
NCUA #64766
Year Chartered1966
Employees29
Primary Regulator
Profit Margin
Return on Assets - YTD0.32%
Return on Equity - YTD3.51%
Annual Interest Income$792.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$106.5MM$99.4MM
LoansQ1 2017vs Q1 2016$43.8MM$39.8MM
DepositsQ1 2017vs Q1 2016$96.4MM$90.0MM
Equity CapitalQ1 2017vs Q1 2016$9.5MM$9.0MM
Loan Loss AllowanceQ1 2017vs Q1 2016$323.00K$301.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$147.00K$95.00K
Real Estate OwnedQ1 2017vs Q1 2016$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$50k*-Premier Money Management Account
OTHER TIERS: 0.08% Up to $20k | 0.12% $20k - $50k
0.12%*$7,500*-Classic Money Management Account
OTHER TIERS: 0.05% Up to $2,500 | 0.08% $2,500 - $7,500

MERCO Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$500-Checking Account
0.05%$500-Business Checking
0.05%$500-Summit Checking

MERCO Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.20%$2,500-5 Year Money Fund Share Certificate
0.50%$2,500-2 Year Share Certificate
0.50%$2,500-30 Month Mini-Fund Share Certificate
0.40%$2,500-1 Year Share Certificate
0.25%$1k-6 Month Share Certificate
0.25%$2,500-9 Month Share Certificate

MERCO Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$2,500-5 Year IRA Money Fund
0.55%$2,500-2 Year IRA
0.55%$2,500-30 Month IRA Mini-Fund
0.45%$2,500-1 Year IRA
0.30%$1k-6 Month IRA
0.30%$2,500-9 Month IRA
Locations


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