Merck Employees Federal Credit Union


126 E Lincoln Ave
Rahway, NJ 07065
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Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.41% →
2-Year CD N.A. 5.25% →
5-Year CD N.A. 4.55% →
30-Year Mortgage 7.18% 4.91% →
15-Year Mortgage 6.73% 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Merck Employees is an NCUA insured institution located in Rahway, NJ. It was founded in 1936 and has approximately $1992.77 millions in assets.

Who can join?

If you work(ed) for Merck & Co. Inc. or Schering Plough, Inc. or you are a direct family member (parent, sibling, child or grandchild) of someone who has, then you are eligible to join.

NCUA Insured Yes / Federally Chartered
Charter Number # # 1454
Date Established 1936
Assets $1,992.77 million
Loans $213.51 million
Deposits $1,425.41 million
Capital $257.75 million

Field of Membership Restrictions

Membership in Merck Employees Federal Credit Union is open to Merck employees, and the spouse, children, siblings, parents and grandchildren of current and retired employees of Merck.

Deposit Rates - May 21, 2024

Your Current Location: Virginia, VA 20146

We do not yet have rates for Merck Employees

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Loan Rates - May 21, 2024

Your Current Location: Virginia, VA 20146

Auto Loan Rates APR Rate Monthly Payment
3 Year 2.75% 2.75% $724.28
4 Year 3.00% 3.00% $553.36
5 Year 3.25% 3.25% $452.00
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


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Climate Policy and Initiatives

MERCK EMPLOYEES is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Merck Employees Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Merck Employees. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Merck Employees U.S. Average
0.82% 6.97

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2023, Merck Employees had $1,622,442 in non-current loans and $484,022 in owned assets. To cover these potential losses it had $257,753,159 in net worth and $302,347 in loans loss reserves. That gives it a Texas Ratio of 0.82%.

Net Worth
Merck Employees U.S. Average
12.93% 13.62%

Merck Employees FCU has a net worth of 12.93% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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