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  2. Merco Credit Union

Merco Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.20%5-year CD5 Year Money Fund Share Certificate
1.85% - Synchrony Bank 60 Month CDAdvertisement
0.40%1-year CD1 Year Share Certificate
1.05% - Ally Bank High Yield 12-Month CDAdvertisement
0.05%SavingsRegular Savings Account
1.00% - Ally Bank Online Savings AccountAdvertisement
View all Merco Credit Union rates »

Overview / Commentary
www.merco.org
800-273-4993
1911 M ST
Merced, CA 95340-3706

Merco Credit Union is headquartered in Merced and is the 155th largest credit union in the state of California. It is also the 1,578th largest credit union in the nation. It was established in 1966 and as of June of 2016, it had grown to 30 employees and 10,034 members at 3 locations. Merco Credit Union has a B+ 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
B+

Data as of Q2 2016

Learn more about bank health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Merco Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #64766
Year Chartered1966
Employees30
Primary Regulator
Profit Margin
Return on Assets - YTD0.41%
Return on Equity - YTD4.44%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$99.8MM$96.2MM
LoansQ2 2016vs Q2 2015$41.7MM$38.1MM
DepositsQ2 2016vs Q2 2015$90.2MM$87.2MM
Equity CapitalQ2 2016vs Q2 2015$9.1MM$8.5MM
Loan Loss AllowanceQ2 2016vs Q2 2015$346.00K$360.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$176.00K$151.00K
Real Estate OwnedQ2 2016vs Q2 2015$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
0.20%*$50k*-Premier Money Management Account
OTHER TIERS: 0.08% → Up to $20k | 0.12% → $20k - $50k
0.12%*$8k*-Summit Savings
OTHER TIERS: 0.05% → Up to $2k | 0.08% → $2k - $5k | 0.10% → $5k - $8k
0.12%*$7,500*-Classic Money Management Account
OTHER TIERS: 0.05% → Up to $2,500 | 0.08% → $2,500 - $7,500
0.10%--Holiday Club Account
0.10%$500-IRA Savings Account
0.10%$500-Coverdell Education Savings Account
0.10%$500-Roth IRA Savings Account
0.05%$100-Regular Savings Account
0.05%--Youth Savings

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 Money Fund IRA Certificate
0.55%$2,500-2 Year IRA Certificate
0.55%$2,500-30 Month Mini-Fund IRA Certificate
0.45%$2,500-1 Year IRA Certificate
0.30%$1k-6 Month IRA Certificate
0.30%$2,500-9 Month IRA Certificate
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