News and Information

Upcoming Bill Payment System Maintenance

Our bill payment system is undergoing maintenance during the weekend of October 4th. You will not be able to schedule new payments from Saturday, October 4th at 6am through as long as Monday, October 6th at 3am. Therefore, if you have payments that you need to schedule, we recommend setting up the payments prior to the scheduled downtime. We apologize for the inconvenience, but this maintenance is necessary for us to be able to better serve you in the future.

Hot Deals, Cool Rates!

Credit Union Direct Lending

Now is the best time to get a hot deal on new car models arriving at auto dealers near you. MERCO Credit Union is offering a cool rate as low as 1.99 % on new and used car loans when you buy local and borrow local from a Merced County Auto Dealer. So drive it away, the Merco way!

Applying for a loan is easy! You can apply for a loan in branch or directly at most dealerships by requesting a Credit Union Direct Lending (CUDL) loan with MERCO Credit Union. The dealer will work directly with us in processing your loan paperwork. You may receive one sweet car loan deal with terms up to 84 months!

Paying higher rates on an existing loan? We also can refinance your existing auto loan with the same great low rates. Drop by any branch office today or call (209) 723-4285.

*Annual Percentage Rate. Rate and term may vary based on credit rating and loan amount. Stated rate includes a .50% APR reduction for automatic payment and .50% APR reduction for buying locally in Merced County. Add .50% to base vehicle rate for extended terms over 72 months. Other restrictions may apply. A $20,000 loan at 1.99% APR for 72 months = $294.92 per month.

Merco Credit Union Accepts Challenge

Enjoy Our Large Network of Free ATMs!

Bank of West LogoMERCO members can make deposits and withdrawals at all Bank of the West ATMs. These ATMs are located throughout 20 western and midwestern states and over 700 locations.  These are available to you FEE-FREE! For Bank of the West ATM locations, click here.

You can also make deposits at any ATM displaying the "DEPOSIT HERE!" signage, including MSEFCU ATMs throughout Merced County.

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