2025 Overview
General Credit Union Information
Merco is an NCUA insured institution located in Merced, CA. It was founded in 1966 and has approximately $208.05 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 64766 |
| Date Established | 1966 |
| Assets | $208.05 million |
| Loans | $129.03 million |
| Deposits | $181.90 million |
| Capital | $24.35 million |
Field of Membership Restrictions
Membership is open to anyone who lives in Merced or Mariposa Counties and donate $10 to the Friends of the Library of Merced or the Friends of the Library of Mariposa; employees or retirees of Merced County, the state of California, the U.S. government, or any city, town, or special district paid from or located in Merced County (except the city of Merced).
Deposit Rates - August 14, 2025
Your Current Location: New York, NY 10116
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
|
Money Market
|
0.25% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - August 14, 2025
Your Current Location: New York, NY 10116
There are currently no loan rates available for Merco
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - New York 30 Year Fixed Mortgage Rates 2025
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 292473 |
6.130% | 5.990% | 0.88 | $4,833 | $1,917 | Learn More |
NMLS ID: 401822 |
6.403% | 6.250% | 1.00 | $5,195 | $1,971 | Learn More |
NMLS ID: 399799 |
6.482% | 6.375% | 0.75 | $3,750 | $1,997 | Learn More |
NMLS ID: 3030 |
Learn More |
Featured - New York Home Equity Line Of Credit Rates 2025
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 6.990 % After Intro: 6.990 % |
$0 |
Learn More
More Info |
Four Leaf Federal Credit Union See Table |
Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months |
$25,000 |
Learn More
More Info |
Note to Merco
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Branches
Below are Merco branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
New York City,New York
Merco Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 2446.37 | A | View Lobby Hours | |
| 2474.55 | B | View Lobby Hours | |
| 2480.91 | C | View Lobby Hours |
Climate Policy and Initiatives
MERCO 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
Merco Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Merco. 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
| Merco | U.S. Average |
|---|---|
| 10.70% | 6.86 |
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 March 31, 2025, Merco had $2,390,605 in non-current loans and $331,154 in owned assets. To cover these potential losses it had $24,353,061 in net worth and $1,076,816 in loans loss reserves. That gives it a Texas Ratio of 10.70%.
Net Worth
| Merco | U.S. Average |
|---|---|
| 12.31% | 14.12% |
Merco FCU has a net worth of 12.31% versus the BestCashCow average of 14.12. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Merco
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