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

MERCO Credit Union is headquartered in Merced and is the 143rd largest credit union in the state of California. It is also the 1,474th largest credit union in the nation. It was established in 1966 and as of December of 2018, it had grown to 32 employees and 10,804 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).
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Health Grade Components

NCUA #64766
Year Chartered1966
Primary Regulator
Profit Margin
Return on Assets - YTD0.87%
Return on Equity - YTD9.1%
Annual Interest Income$4.0MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$116.5MM$108.8MM
LoansQ4 2018vs Q4 2017$63.4MM$51.4MM
DepositsQ4 2018vs Q4 2017$104.7MM$98.0MM
Equity CapitalQ4 2018vs Q4 2017$11.1MM$10.0MM
Loan Loss AllowanceQ4 2018vs Q4 2017$433.00K$317.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$101.00K$180.00K
Real Estate OwnedQ4 2018vs Q4 2017$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

0.25%*$50k*-Premier Money Management Account
OTHER TIERS: 0.10% $1 - $20k | 0.20% $20k - $50k
0.20%*$7.5k*-Classic Money Management Account
OTHER TIERS: 0.10% $1 - $2.5k | 0.15% $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
0.85%$2.5k-2 Year Share Certificate
0.85%$2.5k-30 Month Mini-Fund Share Certificate
0.65%$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

1.50%$2.5k-5 Year IRA Money Fund
0.90%$2.5k-2 Year IRA
0.90%$2.5k-30 Month IRA Mini-Fund
0.70%$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 95338-8519
Corporate Office815 W 18th StMerced, CA 95340

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