News and Information






This marks the 12th year MERCO Credit Union has been the proud sponsor of the MERCO Credit Union Community Christmas Tree located at the Bob Hart Square in Downtown Merced.

Deliver Holiday Smiles!

Make your holiday budget stretch farther with a MERCO Holiday Loan! Borrow as much as $1,000 with a special holiday rate and have up to 12 months to repay. Need more than $1,000? MERCO also offers great loans with competitive rates for all your borrowing needs.

Special Holiday Loan rates and terms are available from October 15, 2016 through December 31, 2016. For more information, contact us or come inside a branch today!

MERCO Makes It Easy to Pay!

MERCO Credit Union makes it easy to purchase and pay with your debit and credit cards. Now, whether you are paying in a store or within apps, you can pay with just a touch of your finger on your supported Apple®, Android® or Samsung® device.

You can now use your device to make contactless purchases at participating merchants wherever your Visa card is accepted today. You can also shop and check out using your device wherever a Mobile Wallet is accepted.

Mobile Wallet

Auto Loan Rates Are Falling!

Fall Deals

Fall is finally here and now is the time to buy a new or used vehicle and finance it at MERCO Credit Union. Finance your auto or truck with MERCO and you’ll get competitive rates, flexible terms, and fast, friendly service. You will also automatically qualify for a MERCO Credit Union visa credit card. Buy from a local dealer and earn a special discounted rate.

Refinance your high-rate car loan from another lender and save money with our competitive rates and flexible terms

Great rates as low as 2.29%...Great terms up to 72 months! Support your local economy…BUY LOCAL from a local dealer, BORROW LOCAL from MERCO Credit Union. We’ve been your local credit union for over 60 years!

*Annual Percentage Rate. Rate and term may vary based on credit rating and loan amount. Stated rate includes a .25% APR reduction for automatic payment and .50% APR reduction for buying locally in Merced County. Other rates and terms up to 84 months available. Other restrictions may apply. A $20,000 loan at 2.29% APR for 72 months = $297.56 per month.

Enjoy Our Large Network of Free ATMs!

MERCO 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.Bank of West Logo


Worried About Your Mortgage?







Locations & Hours | Contact Us | Privacy Policy
Copyright © 2016 MERCO Credit Union. All Rights Reserved.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government NCUA National Credit Union Administration, a U.S. Government Agency Equal Housing