MERCO Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.35%	5-year CD	5 Year Money Fund Share Certificate 2.50% - Ally Bank High Yield 5 Year CD
0.50%	1-year CD	1 Year Share Certificate 2.10% - Goldman Sachs Bank USA High-yield 12 Month CD
0.05%	Savings	Regular Savings 1.30% - Nationwide Bank Online Savings Account

View all MERCO Credit Union rates »

Overview / Commentary

www.merco.org

800-273-4993

815 W 18Th St
Merced, CA 95340

MERCO Credit Union is headquartered in Merced and is the 148^th largest credit union in the state of California. It is also the 1,527^th largest credit union in the nation. It was established in 1966 and as of December of 2017, it had grown to 29 employees and 10,312 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

A

Data as of Q4 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #	64766
Year Chartered	1966
Employees	29
Primary Regulator

Profit Margin
Return on Assets - YTD	0.6%
Return on Equity - YTD	6.6%
Annual Interest Income	$3.3MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$108.8MM$103.4MM
Loans	Q4 2017vs Q4 2016	$51.4MM$43.5MM
Deposits	Q4 2017vs Q4 2016	$98.0MM$93.4MM
Equity Capital	Q4 2017vs Q4 2016	$10.0MM$9.4MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$317.00K$344.00K
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$180.00K$173.00K
Real Estate Owned	Q4 2017vs Q4 2016	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.12%^*	$8k^*	-	Summit Savings
OTHER TIERS: 0.05% → Up to $2k \| 0.08% → $2k - $5k \| 0.10% → $5k - $8k
0.10%	-	-	Holiday Club Account
0.10%	$500	-	IRA Savings
0.10%	$500	-	Coverdell Education Savings Account
0.05%	$100	-	Regular Savings
0.05%	-	-	Youth Savings

MERCO Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$50k^*	-	Premier Money Management Account
OTHER TIERS: 0.10% → Up to $20k \| 0.15% → $20k - $50k
0.15%^*	$7,500^*	-	Classic Money Management Account
OTHER TIERS: 0.05% → Up to $2,500 \| 0.10% → $2,500 - $7,500

MERCO Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	$500	-	Checking Account
0.05%	$500	-	Business Checking
0.05%	$500	-	Summit Checking

MERCO Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.35%	$2,500	-	5 Year Money Fund Share Certificate
0.80%	$2,500	-	2 Year Share Certificate
0.80%	$2,500	-	30 Month Mini-Fund Share Certificate
0.50%	$2,500	-	1 Year Share Certificate
0.30%	$1k	-	6 Month Share Certificate
0.30%	$2,500	-	9 Month Share Certificate

MERCO Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.40%	$2,500	-	5 Year IRA Money Fund
0.85%	$2,500	-	2 Year IRA
0.85%	$2,500	-	30 Month IRA Mini-Fund
0.55%	$2,500	-	1 Year IRA
0.35%	$1k	-	6 Month IRA
0.35%	$2,500	-	9 Month IRA

Locations

MERCO Credit Union Locations
Branch Office	1655 Bellevue Rd	Atwater, CA 95301-2608
Branch Office	1911 M ST	Merced, CA 95340-3706
Branch Office	5011 Coakley Cir	Mariposa, CA 95338-8519
Corporate Office	815 W 18th St	Merced, CA 95340

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