What are the current interest rates at Merco Credit Union?

Current rates for Merco Credit Union include: 12-Month CD: 2.95%, 24-Month CD: 3.20%, 60-Month CD: 3.20%, Savings: 0.05%

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Merco Credit Union

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Merco Credit Union Rates & Review September 2026

Q: How many branches does Merco Credit Union operate?

Merco 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.

Q: Is a member application needed to join Merco Credit Union?

Yes, to access services at Merco 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.

Q: Is there a first-time homebuyer program?

Currently, Merco 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Merco Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Merco Credit Union's IRA - 9 month (270 Days) rates are at 3.30%, 9 month (270 Days) rates are at 3.25%, IRA - 2 Years (730 Days) rates are at 3.25%, IRA - Bump-Up (30 month) rates are at 3.25%, 60 month IRA - Bump-Up (60 Month) rates are at 3.25%. Merco Credit Union's savings rates are at 0.05%. Merco Credit Union's Personal Loan Rates are as low as 10.29%. Merco Credit Union's Credit Card Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Merco Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.38%. Rates last updated and verified on 09/22/2026.

Merco 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 Merco Credit Union? Share your experience about Merco Credit Union by leaving a review below, or read customer reviews before you decide to use Merco Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.38%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Merco Credit Union
Merced Main

1911 M ST
Merced, CA 95340-3706

https://www.merco.org

Merco Credit Union CD Rates

Product	Rate	APY	Term
IRA - 9 month (270 Days)	3.25%	3.30%	9 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
9 month (270 Days)	3.20%	3.25%	9 Months
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
IRA - 2 Years (730 Days)	3.20%	3.25%	2 Years
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
IRA - Bump-Up (30 month)	3.20%	3.25%	30 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
60 month IRA - Bump-Up (60 Month)	3.20%	3.25%	60 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
2 Years (730 Days)	3.15%	3.20%	2 Years
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Bump-Up (30 month)	3.15%	3.20%	30 Months
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Bump-Up (30 month)	3.15%	3.20%	Bump-Up (30 Months)
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Bump-Up (60 month)	3.15%	3.20%	60 Months
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Bump-Up (60 month)	3.15%	3.20%	Bump-Up (60 Months)
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
IRA - 1 Year (365 Days)	2.96%	3.00%	1 Year
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
1 Year (365 Days)	2.91%	2.95%	1 Year
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
IRA - 6 month (180 Days)	2.72%	2.75%	6 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
6 month (180 Days)	2.67%	2.70%	6 Months
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%

Merco Credit Union Savings Rates

Product	Rate	APY
Holiday Club Account	0.10%	0.10%
Min Deposit $0 Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Summit Savings	0.10%	0.10%
Min Deposit $0 Min Balance $5,000 Details Balance: $5,000 to $7,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Summit Savings	0.10%	0.10%
Min Deposit $0 Min Balance $8,000 Details Balance: $8,000 and above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Summit Savings	0.07%	0.07%
Min Deposit $0 Min Balance $2,000 Details Balance: $2,000 to $4,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Regular Savings	0.05%	0.05%
Min Deposit $5 Min Balance $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Regular Savings	0.05%	0.05%
Min Deposit $5 Min Balance $2,000 Details Balance: $2,000 - $4,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Regular Savings	0.05%	0.05%
Min Deposit $5 Min Balance $5,000 Details Balance: $5,000 - $7,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Regular Savings	0.05%	0.05%
Min Deposit $5 Min Balance $8,000 Details Balance: $8,000 and above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Summit Savings	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details Balance: $0 to $1,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Youth Savings	0.05%	0.05%
Min Deposit $5 Min Balance $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Youth Savings	0.05%	0.05%
Min Deposit $5 Min Balance $2,000 Details Balance: $2,000 - $4,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Youth Savings	0.05%	0.05%
Min Deposit $5 Min Balance $5,000 Details Balance: $5,000 - $7,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Youth Savings	0.05%	0.05%
Min Deposit $5 Min Balance $8,000 Details Balance: $8,000 and above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%

Merco Credit Union Checking Rates

Product	Rate	APY
Business Checking	0.05%	0.05%
Min Deposit $100 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Checking	0.05%	0.05%
Min Deposit $100 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Summit Checking	0.05%	0.05%
Min Deposit $100 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%

Merco Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New & Used Vehicles Loan	-	-	4.74%	Up to 72 Months
Details As Low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%

Merco Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
RV/Motorcycles/Boats Loan	-	7.49%	Up to 144 Months
Details As Low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%

Merco Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Cards	-	9.99%
Details As Low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%

Merco Credit Union Personal Loan Rates

Product	APR	Term
Debt Consolidation Loan	10.29%	60 Months
Details As Low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Signature Loan	10.29%	60 Months
Details As Low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%

Merco Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Line of Credit	-	-	10.29%	60 Months
Details As Low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Classic Money Management Account	0.05%	-	0.05%
Min Deposit $0 Min Balance $1 Details Balance: $1 to $2,499 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Classic Money Management Account	0.30%	-	0.30%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500 to $7,499 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Classic Money Management Account	0.40%	-	0.40%
Min Deposit $0 Min Balance $7,500 Details Balance: $7,500 and above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Coverdell Education Savings Account	0.05%	-	0.05%
Min Deposit $50 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
IRAs	0.25%	-	0.25%
Min Deposit $50 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Premier Money Management Account	0.05%	-	0.05%
Min Deposit $0 Min Balance $1 Details Balance: $1 to $19,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Premier Money Management Account	0.40%	-	0.40%
Min Deposit $0 Min Balance $20,000 Details Balance: $20,000 to $49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%
Premier Money Management Account	0.60%	-	0.60%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000 and above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.38%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Merco Credit Union’s Texas Ratio rose from 2.45% in Q2 2023 to 6.38% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$207M	6.38%	5.0	A
December 31, 2025	$207M	8.89%	5.0	A
September 30, 2025	$203M	6.47%	5.0	A
June 30, 2025	$206M	6.21%	5.0	A
March 31, 2025	$208M	6.18%	5.0	A
December 31, 2024	$201M	7.40%	5.0	A
September 30, 2024	$195M	7.24%	5.0	A
June 30, 2024	$186M	6.09%	5.0	A
March 31, 2024	$188M	6.26%	5.0	A
December 31, 2023	$186M	5.76%	5.0	A+
September 30, 2023	$173M	3.30%	5.0	A+
June 30, 2023	$168M	2.45%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Merco 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 Merco 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 Merco Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Merco Credit Union

Website https://www.merco.org

Address 1911 M ST, Merced, CA 95340-3706

Phone 209-723-4285

Fax 209-723-6213

President Kent Christensen

CEO David Ness

Full-Time Employees 41

Part-Time Employees 3

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.38%

Return on Assets (ROA)

0.3570%

Return on Equity (ROE)

2.8695%

Non-Performing Loans Ratio (NPL)

1.57%

Total Assets

207,012,061

Total Amount of Shares and Deposits

179,941,007

Total Shares and Deposits < 1 Year

157,169,191

Total Shares and Deposits 1 3 Years

17,938,463

Total Shares and Deposits > 3 Years

4,833,353

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

8,362,922

Total Uninsured Shares and Deposits > $250K (F+J)

8,362,922

Total Insured Shares and Deposits > $250K (item 17 less item K)

171,578,085

Total Interest Expense (Sum of items 6 8)

537,561

Share Certificates

962

Number of Accounts for Share Drafts

7,949

IRA KEOGH Accounts

453

Number of Accounts for Regular Shares

18,193

Non Member Deposits

Money Market Shares

238

Net Income (unless the amount is already included in Undivided Earnings)

739,074

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

8,725,281

Total Liabilities

184,755,906

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Merco Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Merco Credit Union

How many branches does Merco Credit Union operate?

Merco 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 Merco Credit Union?

Yes, to access services at Merco 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, Merco 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, Merco Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Merco Credit Union offer online and mobile banking?

Most modern institutions like Merco 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.merco.org.