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 Merck Employees Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 17, 2026
Merck Employees Federal Credit Union's 12 month CD rates are at 3.75%, 12 month IRA CD rates are at 3.75%, 6 month CD rates are at 3.10%, 6 month IRA CD rates are at 3.10%. Merck Employees Federal Credit Union's savings rates are at 1.00%. Merck Employees Federal Credit Union's Personal Loan Rates are at 3.25%. MonitorBankRates evaluates the financial stability of Merck Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.22%. Rates were last updated on 04/17/2026. Merck Employees Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Merck Employees Federal Credit Union? Share your experience about Merck Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Merck Employees Federal Credit Union. Merck Employees Federal Credit Union
RAHWAY 126 E LINCOLN AVE
https://www.merckcu.com RAHWAY, NJ 07065 4607 
Merck Employees Federal Credit Union CD Rates
Merck Employees Federal Credit Union Savings Rates
Merck Employees Federal Credit Union Checking Rates
Merck Employees Federal Credit Union Home Equity & HELOC
Merck Employees Federal Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Merck Employees Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Merck Employees Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Merck Employees Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Merck Employees Federal Credit Union
Website
https://www.merckcu.com
Address
126 E LINCOLN AVE,
RAHWAY, NJ 07065 4607
Phone
732-594-3317
Fax
President
ANDREA KRYSIENSKI
CEO
PAUL GENTILE
Full-Time Employees
18
Part-Time Employees
1
Branch Locations
3
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.22%
Return on Assets (ROA)
0.0678%
Return on Equity (ROE)
0.4869%
Non-Performing Loans Ratio (NPL)
0.26%
Total Assets
1,808,262,266
Total Amount of Shares and Deposits
1,235,901,169
Total Shares and Deposits < 1 Year
1,235,901,169
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
302,845,449
Total Uninsured Shares and Deposits > $250K (F+J)
302,845,449
Total Insured Shares and Deposits > $250K (item 17 less item K)
933,055,720
Total Interest Expense (Sum of items 6 8)
23,945,195
Share Certificates
1,336
Number of Accounts for Share Drafts
15,409
IRA KEOGH Accounts
3,615
Number of Accounts for Regular Shares
29,343
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
95,662,480
Total Liabilities
1,568,646,204
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Merck Employees Federal Credit UnionIs Merck Employees Federal Credit Union a safe place to deposit money?Yes, Merck Employees Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.22359708171598%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Merck Employees Federal Credit Union operate?Merck Employees Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Merck Employees Federal Credit Union?Yes, to access services at Merck Employees Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Merck Employees Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Merck Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Merck Employees Federal Credit Union offer online and mobile banking?Most modern institutions like Merck Employees Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.merckcu.com. Current Merck Employees Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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