Merco is an NCUA insured institution located in Merced, CA. It was founded in 1966 and has approximately $207.01 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 64766 |
| Date Established | 1966 |
| Assets | $207.01 million |
| Loans | $121.63 million |
| Deposits | $179.94 million |
| Capital | $25.76 million |
Your Current Location: Arizona, AZ 85001
| 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 |
Your Current Location: Arizona, AZ 85001
There are currently no loan rates available for Merco
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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:
Phoenix,Arizona
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 503.22 | A | View Lobby Hours | |
| 519.28 | B | View Lobby Hours | |
| 527.14 | C | View Lobby Hours |
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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.
| Merco | U.S. Average |
|---|---|
| 9.19% | 6.78 |
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, 2025, Merco had $2,196,852 in non-current loans and $270,155 in owned assets. To cover these potential losses it had $25,756,155 in net worth and $1,076,816 in loans loss reserves. That gives it a Texas Ratio of 9.19%.
| Merco | U.S. Average |
|---|---|
| 12.51% | 14.48% |
Merco FCU has a net worth of 12.51% versus the BestCashCow average of 14.48. 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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Last Update on October 5, 2026
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