Featured Savings Rates
Featured Accounts

Merco Credit Union

Popular Accounts at this Credit Union

1.40%5-year CD5 Year Money Fund Share Certificate
0.40%1-year CD1 Year Share Certificate
0.05%SavingsRegular Savings Account

Overview / Commentary
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 1,582nd largest credit union in the nation. It was established in 1966 and as of March of 2016, it had grown to 31 employees and 10,073 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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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

NCUA #64766
Year Chartered1966
Primary Regulator
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD4.98%
Annual Interest Income$757.00K
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$99.4MM$95.1MM
LoansQ1 2016vs Q1 2015$39.8MM$38.0MM
DepositsQ1 2016vs Q1 2015$90.0MM$86.2MM
Equity CapitalQ1 2016vs Q1 2015$9.0MM$8.4MM
Loan Loss AllowanceQ1 2016vs Q1 2015$301.00K$369.00K
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$95.00K$149.00K
Real Estate OwnedQ1 2016vs Q1 2015$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

0.20%*$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

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

Merco Credit Union CD Rates

1.40%$2,500-5 Year Money Fund Share Certificate
0.55%$2,500-2 Year Share Certificate
0.55%$2,500-30 Month Mini-Fund Share Certificate
0.40%$2,500-1 Year Share Certificate
0.35%$2,500-9 Month Share Certificate
0.30%$1k-6 Month Share Certificate

Merco Credit Union IRA Rates

1.50%$2,500-5 Year Money Fund IRA Certificate
0.60%$2,500-2 Year IRA Certificate
0.60%$2,500-30 Month Mini-Fund IRA Certificate
0.45%$2,500-1 Year IRA Certificate
0.40%$2,500-9 Month IRA Certificate
0.35%$1k-6 Month IRA Certificate

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