MERCO Credit Union

Overview | Eligibility Requirements | Receive alerts for this credit union

LOCATIONS

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

4.41%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

merco.org

800-273-4993

1911 M St
Merced, CA 95340

MERCO Credit Union is headquartered in Merced and is the 123^rd largest credit union in the state of California. It is also the 1,263^rd largest credit union in the nation. It was established in 1966 and as of December of 2024, it had grown to 43 employees and 15,456 members at 4 locations. MERCO Credit Union has an A health rating.

Field of Membership Restrictions

Membership is MERCO Credit Union open to those who live, work, worship, or attend school in the California counties of Merced, Mariposa, Madera, or Stanislaus. Family members of a current MERCO Credit Union member who live in California also qualify for membership.
See current membership details

Reviews

Write a Review

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

Health

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #	64766
Year Chartered	1966
Employees	43
Primary Regulator

Profit Margin
Return on Assets - YTD	0.54%
Return on Equity - YTD	5.99%
Annual Interest Income	$11.2MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$201.2MM$185.5MM
Loans	Q4 2024vs Q4 2023	$132MM$122.4MM
Deposits	Q4 2024vs Q4 2023	$178.8MM$163.2MM
Equity Capital	Q4 2024vs Q4 2023	$17.7MM$16.7MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$3.3MM$2.1MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$1.8MM$1.3MM
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.41%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Rates for MERCO Credit Union are currently being reviewed.

Locations

MERCO Credit Union Locations
Branch Office	1911 M ST	Merced, CA 95340-3706
Branch Office	5011 Coakley Cir	Mariposa, CA 95338
Corporate Office	815 W 18th St	Merced, CA 95340
Branch Office	598 Bellevue Rd	Atwater, CA 95301

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.