MERCO Credit Union

Overview / Commentary
1911 M St
Merced, CA 95340

MERCO Credit Union is headquartered in Merced and is the 145th largest credit union in the state of California. It is also the 1,502nd largest credit union in the nation. It was established in 1966 and as of December of 2019, it had grown to 34 employees and 11,173 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


No reviews have been left for this bank yet. Be the first to review.


Health Grade Components

NCUA #64766
Year Chartered1966
Primary Regulator
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD8.32%
Annual Interest Income$4.5MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$118.8MM$116.5MM
LoansQ4 2019vs Q4 2018$70.8MM$63.4MM
DepositsQ4 2019vs Q4 2018$105.9MM$104.7MM
Equity CapitalQ4 2019vs Q4 2018$12.1MM$11.1MM
Loan Loss AllowanceQ4 2019vs Q4 2018$524.00K$433.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$256.00K$101.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not MERCO Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.15%*$8k*-Summit Savings
OTHER TIERS: 0.10% Up to $2k | 0.11% $2k - $5k | 0.13% $5k - $8k
0.10%$100-Regular Savings
0.10%$5-Youth Savings
0.10%--Holiday Club Account
0.10%$500-IRA Savings
0.10%$500-Coverdell Education Savings Account

MERCO Credit Union Money Market Rates

0.30%*$50k*-Premier Money Management Account
OTHER TIERS: 0.10% $1 - $20k | 0.25% $20k - $50k
0.25%*$7.5k*-Classic Money Management Account
OTHER TIERS: 0.10% $1 - $2.5k | 0.20% $2.5k - $7.5k

MERCO Credit Union Checking Account Rates

0.08%$500-Summit Checking
0.05%$500-Checking Account
0.05%$500-Business Checking

MERCO Credit Union CD Rates

1.10%$2.5k-5 Year Money Fund Share Certificate
0.90%$2.5k-30 Month Mini-Fund Share Certificate
0.60%$2.5k-2 Year Share Certificate
0.50%$2.5k-1 Year Share Certificate
0.40%$1k-6 Month Share Certificate
0.40%$2.5k-9 Month Share Certificate

MERCO Credit Union IRA Rates

1.15%$2.5k-5 Year IRA Money Fund
0.95%$2.5k-30 Month IRA Mini-Fund
0.65%$2.5k-2 Year IRA
0.55%$2.5k-1 Year IRA
0.45%$1k-6 Month IRA
0.45%$2.5k-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
Corporate Office815 W 18th StMerced, CA 95340

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.