MERCO Credit Union

Overview / Commentary
815 W 18Th St
Merced, CA 95340

MERCO Credit Union is headquartered in Merced and is the 146th largest credit union in the state of California. It is also the 1,512th largest credit union in the nation. It was established in 1966 and as of June of 2019, it had grown to 29 employees and 10,998 members at 4 locations. MERCO Credit Union's CD rates are 11% higher than the national average, and it 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).
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Health Grade Components

NCUA #64766
Year Chartered1966
Primary Regulator
Profit Margin
Return on Assets - YTD0.9%
Return on Equity - YTD9.02%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$115.6MM$113.1MM
LoansQ2 2019vs Q2 2018$67.4MM$57.4MM
DepositsQ2 2019vs Q2 2018$103.1MM$101.8MM
Equity CapitalQ2 2019vs Q2 2018$11.6MM$10.5MM
Loan Loss AllowanceQ2 2019vs Q2 2018$479.00K$390.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$273.00K$126.00K
Real Estate OwnedQ2 2019vs Q2 2018$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

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

MERCO Credit Union Money Market Rates

0.35%*$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

0.10%$500-Checking Account
0.10%$500-Business Checking
0.10%$500-Summit Checking

MERCO Credit Union CD Rates

1.45%$2.5k-5 Year Money Fund Share Certificate
1.25%$2.5k-30 Month Mini-Fund Share Certificate
1.20%$2.5k-2 Year Share Certificate
1.00%$2.5k-1 Year Share Certificate
0.85%$1k-6 Month Share Certificate
0.85%$2.5k-9 Month Share Certificate

MERCO Credit Union IRA Rates

1.50%$2.5k-5 Year IRA Money Fund
1.30%$2.5k-30 Month IRA Mini-Fund
1.25%$2.5k-2 Year IRA
1.05%$2.5k-1 Year IRA
0.90%$1k-6 Month IRA
0.90%$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

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